Risk Analyst ( Digital Lending )

We are seeking a data-driven and analytical Risk Analyst with hands-on experience in Digital Lending.

In this role, you will own the end-to-end risk monitoring and strategy execution for both Short-Term Personal Loans (STPL) and Short-Term Business Loans (STBL).

You will be responsible for configuring Business Rules Engines (BRE), performing deep-dive portfolio segmentations, and managing risk metrics across both New-to-Bank (NTB) acquisition and Reloan (existing customer) portfolios.

Key Responsibilities:-

1. BRE & Risk Strategy Management

* Hands-on configuration, testing, and deployment of rules within the Business Rules Engine (BRE).

* Translate risk policies into logical underwriting workflows, fraud checks, and credit policies.

* Regularly optimize BRE funnels to minimize drop-offs while maintaining strict risk controls.

2. Portfolio Analytics & Segmentation

* Conduct deep-dive portfolio cuts to identify pockets of risk and growth opportunities.

* Perform Pincode & Geographical Analysis to monitor regional delinquencies and implement negative/grey profile lists.

* Execute Income-wise and Demographic Analysis to calibrate loan eligibility limits and pricing.

* Build and analyze BRE Risk Decile Tables to evaluate the predictive power of internal scorecards, bureau scores, and rule combinations.

3. Lifecycle & Product Risk Strategy

* Differentiate and manage distinct risk frameworks for New Customers (NTB) and Reloan (Existing/Repeat) portfolios.

* Optimize cross-sell and renewal logic for Reloans using historical repayment behavior to maximize lifetime value and minimize first-payment defaults (FPD).

4. Market Intelligence

* Keep a continuous pulse on the STPL and STBL landscape, conducting regular market scans of competitor credit offerings, bounce rates, and regulatory changes.

* Benchmark internal portfolio metrics (like bounce rates, NPA, and vintage curves) against industry standards.

Required Skills & Qualifications:

* Experience: 2-4 years of experience as a Credit/Risk Analyst specifically within a FinTech, Digital NBFC, or retail bank specializing in digital unsecured lending.

* Product Knowledge: Strong domain expertise in high-velocity STPL and STBL products.

* Technical Tools: High proficiency in SQL and Excel is mandatory. Experience with Python/R or BI tools (PowerBI, Tableau) is highly preferred.

* Engine Experience: Hands-on experience working with standard BRE platforms (e.g., Signzy, Perfios, Scienaptic, RupeePower, or in-house custom engines).

* Analytical Mindset: Proven ability to build vintage curves, roll-rate matrices, and analyze cohort-level behavior.