Job Title: Senior Manager- Credit Risk Analytics (Consumer Loan Products)

Location: Gurgaon

Experience Level: 4-7 Years

Key Responsibilities

1. Risk Portfolio Analytics

- Conduct comprehensive portfolio analysis to assess credit quality, concentration risk, and performance trends across consumer loan products
- Develop KPIs and dashboards to monitor portfolio health, delinquency rates, loss rates, and other critical risk metrics
- Analyze emerging risk patterns, identify outliers, and prepare actionable insights for stakeholder communication
- Generate variance analysis reports and conduct root cause analysis on portfolio performance deviations

2. Credit Risk Analytics

- Design, develop, and deploy predictive models for credit risk assessment, delinquency forecasting, and default probability estimation
- Build and maintain credit risk scorecards, behavioral models, and segmentation frameworks using industry-standard methodologies
- Perform statistical analysis to identify key risk drivers, develop early warning systems, and enhance model performance metrics
- Conduct regular model validation, back testing, and performance monitoring to ensure accuracy and regulatory compliance

4. Data-Driven Decision Making

- Leverage advanced analytics and machine learning techniques to enhance credit decisioning processes
- Build and maintain data pipelines for risk metrics calculation and monitoring
- Perform cohort analysis, customer journey analytics, and lifetime value modeling
- Translate complex analytical findings into clear business recommendations for product and risk teams

5. Cross-Functional Collaboration

- Partner with analytics, product, technology, and collections teams to optimize loan offerings and risk management strategies
- Support product launches through credit risk assessments and go-to-market risk evaluations




- Collaborate with collections and recovery teams to develop recovery strategies and understand post-disbursement performance

6. Compliance & Reporting

- Ensure all models and analyses comply with regulatory guidelines (RBI, consumer protection norms)
- Prepare reports on portfolio quality, risk metrics, and compliance status
- Maintain documentation for model governance, audit trails, and regulatory examinations

Minimum Qualifications & Requirements

1. Education

- Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or Applied Finance
- Certification in risk management (FRM, CFA, or equivalent) is a plus

2. Experience

- 4–7 years of credit risk management experience, preferably in NBFC, fintech, or digital lending organizations
- Proven expertise in credit risk analytics and risk policy creation for consumer loan products
- Demonstrated experience in building and validating predictive models and risk scorecards

3. Technical & Analytical Skills

- Advanced proficiency in SQL – complex queries, database optimization, data extraction
- Robust Python expertise – libraries such as Pandas, Stats models for analysis and modeling
- Statistical modeling – logistic regression, decision trees, ensemble methods, and neural networks
- Predictive analytics– scorecard development, risk segmentation, cohort analysis, and performance tracking
- Data visualization tools– Tableau, Power-BI, or equivalent for dashboard creation & reporting
- Spreadsheet mastery– Excel with advanced functions, pivot tables, and data analysis

4. Core Competencies

- Strong ability to interpret complex,



large-scale datasets & derive actionable business insights
- Detail-oriented approach with strong problem-solving skills in risk management contexts
- Ability to translate technical findings into clear, non-technical communication for stakeholders
- Sound understanding of statistical methodologies, sampling, and hypothesis testing

5. Soft Skills

- Excellent communication skills for presenting findings to senior management and cross-functional teams
- Ability to manage multiple stakeholders & priorities in a dynamic, fast-paced environment
- Strong self-motivation and ability to work independently with minimal supervision
- Collaborative mindset with a commitment to continuous learning and improvement

Preferred Attributes

- Experience with automated underwriting systems, machine learning platforms, or model deployment tools
- Familiarity with credit risk frameworks
- Knowledge of consumer lending dynamics, credit trends, and behavioral analytics
- Prior exposure to A/B testing, experimental design, or causal inference techniques
- Understanding of financial regulations related to consumer credit and data privacy

Why Join Airtel Finance

- Be part of a fintech leader – Drive financial inclusion across India with cutting-edge credit risk analytics
- Work with cutting-edge technology – Leverage advanced analytics platforms, machine learning tools, and scalable data infrastructure
- Data-driven culture – Collaborate with top analytics talent and contribute to business strategy through insights
- Fast-growing organization – Witness rapid scaling with opportunities for growth opportunities and skill expansion
- Impactful work – Build risk management solutions that enable credit access for millions of underserved customers
- Continuous learning – Access to training, certifications, and exposure to emerging risk management trends

📌 Credit Risk Analytics (Gurugram)
🏢 Airtel Africa
📍 Gurugram