Apply on Kit Job: kitjob.in/job/47gzzn

Analyst – Credit Risk

Location: Bangalore

Experience: 5+ Years

Domain: BFSI | Fintech | Credit Risk | Risk Analytics

Role Overview

We are looking for an experienced Credit Risk Analyst with strong expertise in lending risk analytics, portfolio monitoring, and predictive modeling. The role involves building risk frameworks, analyzing portfolio performance, and leveraging data science techniques to strengthen credit decisioning and risk forecasting.

Key Responsibilities

Risk Monitoring & Framework
Develop and manage risk frameworks for lending portfolios (MSME lending preferred)
Work on risk parameters such as PD, LGD, EAD, and Expected Loss (EL)
Monitor portfolio performance and forecast risk exposure

Risk Reporting & Analytics
Perform DPD analysis, roll rate analysis, and NPA analysis
Build dashboards and reports for portfolio performance tracking
Provide data-driven insights to support credit strategy decisions

Data Science & Predictive Modelling
Build ML-based credit risk models using logistic regression, random forest, XGBoost, etc.
Develop scorecards and customer risk segmentation models
Analyze large datasets to improve risk assessment accuracy

Automation & Data Management
Develop automated reports for portfolio,



collections, and payment tracking
Work with bureau data, LMS (Loan Management Systems), and LOS (Loan Origination Systems)
Ensure accuracy and integrity of risk data

Cross-Functional Collaboration
Collaborate with Product, Finance, Business Operations, and Risk teams
Handle ad-hoc data requests and provide actionable insights
Support decision-making through structured data analysis

Required Skills & Qualifications
5+ years of experience in Credit Risk / Risk Analytics within BFSI
Solid understanding of lending lifecycle and portfolio risk management
Hands-on experience with PD, LGD, EAD, EL frameworks
Robust proficiency in SQL, Python or R
Experience working with AWS tools such as Athena, Redshift (preferred)
Experience in predictive modelling techniques such as logistic regression, random forest, XGBoost
Experience building automated reports and dashboards

Preferred Skills
Experience in MSME lending or fintech risk analytics
Familiarity with LMS, LOS systems, and bureau datasets
Understanding of AML and regulatory compliance frameworks
Robust analytical and problem-solving skills

Apply on Kit Job: kitjob.in/job/47gzzn

📌 Credit Risk Analyst Bengaluru
🏢 Zyoin Group
📍 Bengaluru