Location
Bangalore | India
Job description
About Bluevine
Bluevine is a high-growth FinTech company empowering small businesses with innovative banking. By combining industry-leading technology and security with our team's expertise and care, we've helped 200,000+ businesses, funding more than $9 billion since 2013. We're headquartered in Jersey City, NJ, we've recently raised $102.5M and are backed by top investors, including Menlo Ventures, Lightspeed Ventures, Citi Ventures, SVB Financial, Nationwide Insurance, and M12. For more information, check out our LinkedIn Page .
Role Summary We are looking for a skilled and motivated professional to join as the Sr. Risk Strategy Analyst for Pricing Strategy based out of Bluevine office in Bangalore, India. The candidate will play a crucial role in formulating pricing strategies, conducting in-depth financial analyses, and optimizing loan pricing for our lending portfolio. Responsible for driving projects that achieve corporate and business level OKR. Work cross-functionally with operations, risk analytics, business operations, product, and business unit leaders to understand different viewpoints, obtain data to make tradeoff decisions, and then conduct independent analysis of possible courses of action
The candidate will report functionally to the Manager of Credit Risk & Pricing Strategy, based out of US, and locally to the Manager of Credit Strategy, based out of Bangalore, India.
Responsibilities - Partner closely with lending managers and cross-functional teams like product, finance, risk analytics & capital markets to identify and recommend opportunities to improve pricing strategies considering risk factors and business objectives
- Enhance existing pricing framework and help build a robust and scalable process
- Develop Risk based pricing structure including considerations of impact on funnel; adverse selection and risk adjustment margin
- Execute and monitor pricing test campaigns
- Monitor and evaluate the risk adjusted margin of the credit portfolio to identify opportunities for improvement and propose rate, fee structure changes
- Provide data-driven insights to senior management to support strategic decision-making
- Identify opportunities and scale additional areas of pricing reporting and strategy
What are we looking for - Strategic & analytic orientation - Strategic mindset with the ability to align pricing strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making & problem-solving based on data.
- Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis
- Ability to navigate unstructured problems - Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty
- Strong communication skills: Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders
- Clear results orientation: Display an intense focus on achieving both short and long term goals
- Adaptability: Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.
- Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends
Required Experience And Education - Bachelor's Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering)
- 4+ years of relevant experience in analytics, strategy, etc.
- SQL, BI and Excel high proficiency
- Regression & forecasting modeling techniques
- Experience in building financial/valuation models
- Experience in test design, A/B Testing
Not Required, But a Plus - Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)
- Experience in Credit products
- Knowledge of Python
Job tags
Salary
