Job Description

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The Credit Risk Analyst owns the analytical foundation of the credit portfolio, translating raw transaction and customer data into actionable insights that drive approval optimization, risk calibration, and customer profitability. This role sits at the intersection of risk management, product strategy, and data engineering, directly influencing credit decisioning, policy setting, and portfolio performance for a high-volume digital lending platform processing 1M+ daily transactions. Unlike traditional credit risk analysts who focus on model building, this role emphasizes portfolio observability, cohort-based performance tracking, and real-time decisioning optimization across recent and repeat user segments. You will own metrics that product, risk, and business teams depend on for decision-making—and you'll have the autonomy to challenge policy assumptions with data.

Skills Required

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Python,Risk Analytics,SQL

Role

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Key Responsibilities :

Domain Expertise

- Fintech: Familiarity with instant approval decisioning, high-velocity transaction flows, chargeback/fraud dynamics, and customer acquisition models.




- 4-5 years in credit risk analytics, lending analytics, or consumer fintech metrics (e.g., fraud, chargeback, risk).
- Credit & Risk Knowledge: Understanding of bureau scoring

Technical Skills

- SQL Advanced: Write complex nested queries, window functions, and multi-stage aggregations. Optimize for performance on billion-row datasets.
- Python for Analytics: Pandas, NumPy, SciPy for ad-hoc cohort analysis, statistical tests (Chi-square, t-test, survival analysis), and simple predictive models (logistic regression).

Key Performance Indicators

- Approval Optimization: Month-on-month approval rate improvement (target: +1–2% quarterly without degrading quality), funnel conversion lift from A/B tests.
- Insights Impact: # of policy recommendations adopted and their lift (e.g., "Tightened decision rule for 1st-time users, reduced 90+ DPD by 30 bps").

Location

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Bengaluru, Karnataka, India

Desirable Skills

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Credit Risk Analysis

Years Of Exp

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4 to 5 years

Posted On

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27-Mar-2026

📌 Senior Credit Risk Analyst (India)
🏢 Snapmint
📍 India