Credit Risk Analyst - Team Lead - Credit Risk

Credit Risk Analyst - Team Lead - Credit Risk Product

About Us:

Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh. Its investors include Softbank, Ant Financial, AGH Holdings, Elevation Capital, Berkshire Hathaway, T Rowe Price and Discovery Capital

About the Team:

The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.

About the Role:

We are seeking a detail-oriented and analytical Credit Risk Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks.

Key Responsibilities:

-Analyze credit risk across various credit products, including credit cards, merchant and personal loans.

-Liaison with the business team to understand the credit risk policies and implement the same on platform.

-Monitor performance of credit risk policies. Share feedback with Product and Policy team what's working well and what needs improvement

-Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.

-Conduct testing and scenario analysis to measure policy resilience.

-Monitor key risk indicators (KRIs) and provide actionable insights to management.

-Ensure compliance with regulatory guidelines and internal risk policies.

-Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.

Requirements:

-2-5 years of experience, preferably in a fintech or banking environment.

-Proficiency in SQL, Python, for data analysis and manipulation.

-Understanding of technical details like API, Kafka will be a plus.

-Excellent analytical, problem-solving, and communication skills.

-Ability to work in a fast-paced, dynamic environment and collaborate across teams.

-Education qualification: B.Tech- NIT/BITS or any other reputed institutions

Why Join us?

Bragging rights to be behind the largest fintech lending play in India

A fun, energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career

With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!