Risk Analyst

Location

Bangalore | India

Job description

About SmartCoin:

We are on a mission to create India's largest fully automated financial Inclusion organisation by providing an array of financial services such as micro-loans to the vast underserved middle/lower income segment. Being in the Top 10 Google Launchpad backed AI/ML Tech start-ups, you will meet the first hand challenge of building & scaling the business. You will work with some of the brilliant minds across the industry who passionately feel about solving the macro issue of financial Inclusion. We are present in over 17,000 pin codes in the country and have served over 5.5Mn users across India. The user profile ranges from Micro-entrepreneurs, small retailers, Blue-Grey collared workers, Salaried employees across sectors. You will be one of the key owners of Petabytes of data and drive organisational growth by extracting & applying data driven insights You will also get an opportunity to work and patent your AI/ML tech

Our Value

1. Excellence in everything we do: Take responsibility for the quality & timelines of your actions & own the results till closure

2. Empathy – Put yourself in other's shoes first, work collaboratively, put aside the individual in you & work towards the larger benefit of all

3. Innovation – Constantly think ahead, build something new & different. Don't fear to fail, but keep experimenting

4. Perseverance – Never Give Up Attitude. Don't settle for a 'No'

5. Agility – Speed Matters Always

Our Culture:

Are you the one who thrives on working on cutting edge technology Working with innovators in the early stages of ideas, products, or platforms Do you want to transform an industry Crave new challenges and solving hard customer problems using the latest in software technology Are you the one who loves to work in chaos & ready to get your hands dirty Then SmartCoin is the place for you to be! As a developer/product manager at SmartCoin, you will use the latest technologies to create amazing, customer-focused products. What can you expect If you are a high performer, then you can expect to own a part of the company in the form of ESOPs You can expect the most competitive salaries in the market (in the 90 th percentile) Open Culture to voice out your opinions freely An opportunity to learn from the best in the industry Have an impact on the lives of Billions of People by financially uplifting them Come help us re-imagine our solutions to provide world-class, best of breed solutions to delight our customers and make a major impact on the FinTech industry

Roles & Responsibilities:

• Understand the credit policies for various Banks and NBFCs in the Indian lending space- Provide thought-leadership on improving customer acquisition strategies,
• developing statistical credit models, and communicate analytical and credit ideas- Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior-
• Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight-
• Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones-
• Ideate and help launch next-generation lending products and structures that will drive the next round of innovation-
• Monitoring monthly transactions and provide a report on planning and risk management

Preferred Qualifications:

● 3+ Years of experience in credit scoring, risk modeling and policies

● Experience in credit risk for short-term unsecured loan products as personal loans and credit cards, in the Indian market

● Experience in developing lending, customer acquisitions and/or portfolio management strategies

● Proficiency in relevant analytic programming skills (R, Python, Excel)

● Comfort in re-defining frontiers and passion for doing cutting-edge work in unsecured credit risk

Job tags

Salary