You can become a part of …

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

Responsibilities will include …

Functional Expertise

Risk Model Development & Validation

• Design, develop, and validate credit risk models (PD, LGD, EAD)
• Excellent hands-on development experience in building A/B/C scorecards
• Implement model monitoring frameworks and performance tracking systems
• Conduct model backtesting and stress testing exercises
• Extensive experience in building data pipelines using credit bureau data – preferably Experian and CRIF

Portfolio Risk Management

• Analyze portfolio performance and risk metrics
• Develop early warning systems and risk indicators
• Create vintage analysis and loss forecasting models
• Monitor concentration risk and portfolio diversification

Data Analytics & Insights

• Perform advanced statistical analysis and data mining
• Develop predictive models using machine learning techniques
• Create comprehensive risk reports and dashboards
• Conduct segmentation analysis and customer behavioral studies

Problem Solving

Analytical Thinking

• Ability to break down complex business problems into analytical components
• Design innovative solutions for risk measurement and management challenges
• Demonstrate strong quantitative reasoning and hypothesis testing skills

Strategic Decision Making

• Translate analytical insights into actionable business recommendations
• Support strategic planning with quantitative risk assessments

Innovation & Methodology

• Research and implement new analytical techniques and methodologies
• Continuously improve existing models and processes
• Identify opportunities for automation and efficiency gains

Interaction

Cross Functional Collaboration

• Work closely with Policy, Finance, and Business teams
• Partner with IT and Data Engineering on infrastructure requirements
• Collaborate with ERM and Audit teams on regulatory matters

Stakeholder Communication

• Present complex analytical findings to senior management and board committees
• Communicate risk insights to nontechnical stakeholders effectively
• Prepare executive summaries and management reports

To succeed in the role

Qualification & Experience (type & industry)

• Graduate/ Postgraduate from a recognized university
• 5+ years post-qualification in banking or fintech field

Skills & know-how

Programming & Analytics

• Advanced proficiency in R or Python
• SQL for data manipulation and analysis
• Experience with machine learning libraries (scikitlearn, caret, etc.)
• Knowledge of big data technologies (GCP/Spark)

Statistical & Modeling Expertise

• Advanced statistics and econometrics
• Time series analysis and forecasting
• Survival analysis and credit modeling
• Machine learning and AI techniques
• Optimization and simulation methods

Tools & Platforms

• Proficiency in data visualization tools (Looker/ggplot2)
• Knowledge of cloud platforms (AWS, Azure, GCP) preferred
• Familiarity with version control systems (Git)

Behaviors

• Extremely high ownership.
• Self-starter with a bias for action.
• Ability to operate in a high ambiguity environment.
• Robust Interpersonal Skills for collaborating with various Units for facilitating closures
• Effective Team Player.