Location: Chennai (Work from Office)

Experience: 5 Years

Employment Type: Full-Time

About the Role

We are looking for an experienced Credit Risk Analyst to join our Risk team. The ideal candidate will bring robust, hands-on experience in credit risk assessment within the NBFC space, specifically in unsecured lending, along with the analytical and technical capability to work with AI-driven credit models and statistical risk frameworks.

Key Responsibilities

- Assess, monitor, and manage credit risk across the unsecured loan portfolio, including personal loans, consumer durable loans, and other unsecured lending products.
- Develop, validate, and continuously refine credit scoring models and risk assessment frameworks in collaboration with the Data Science/Analytics team.
- Analyze borrower data, credit bureau reports, and alternate data sources to assess creditworthiness and default risk.
- Monitor portfolio performance indicators (delinquency, NPA trends, roll rates, vintage analysis) and provide actionable insights to leadership.
- Collaborate with AI/ML teams to build, test, and deploy AI-based credit underwriting and risk-scoring models; interpret model outputs for business and regulatory stakeholders.
- Conduct statistical analysis (logistic regression, decision trees, probability of default modelling, etc.) to support risk-based pricing and credit policy decisions.
- Ensure credit risk policies and underwriting practices are in compliance with RBI guidelines applicable to NBFCs, including fair lending and responsible lending practices.
- Prepare risk assessment reports, dashboards, and presentations for senior management and audit/regulatory reviews.




- Identify early warning signals and recommend risk mitigation strategies for the unsecured loan book.
- Work closely with Credit Policy, Collections, and Underwriting teams to align risk appetite with business growth objectives.

Required Qualifications & Experience

- 5 years of experience in Credit Risk / Risk Analytics, with *mandatory experience in an NBFC, specifically handling **unsecured loan products*.
- Strong working knowledge of credit risk modelling, statistical analysis, and AI/ML-based credit models (e.g., model development, validation, or working closely with data science teams on model deployment).
- Proficiency in statistical tools and techniques — regression analysis, hypothesis testing, predictive modelling, and probability-based risk assessment.
- Hands-on experience with data analysis tools such as Python, R, SQL, or SAS (specify based on your tech stack).
- Sound understanding of credit bureau data (CIBIL, Experian, CRIF, Equifax) and their application in credit underwriting.
- Familiarity with RBI regulatory guidelines applicable to NBFCs and unsecured lending norms.
- Bachelor's/Master's degree in Finance, Statistics, Economics, Mathematics, Data Science, or a related field. MBA/CFA/FRM is a plus.
- Strong analytical and problem-solving skills, with the ability to translate data insights into actionable credit policy recommendations.
- Excellent communication skills to present risk findings to both technical and non-technical stakeholders.

Good to Have

- Prior exposure to building or fine-tuning AI/ML-based underwriting engines or alternate credit scoring models (using non-traditional data sources).
- Experience with portfolio risk dashboards/BI tools (Power BI, Tableau).
- Understanding of digital lending platforms and API-based credit decisioning systems.

📌 Credit Risk Analyst (Chennai)
🏢 CloudBanking
📍 Chennai