You can become a part of …

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin.

So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers.

And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the prospect to …

 Devise and implement merchant lending strategies for Bharatpe

 Interact with lending partners and addressing their concerns

 Work at an organization which encourages to test and learn enabling you to experiment

 Impact BharatPe’s top line and bottom line creating tangible organizational value

 Drive sustainable/profitable growth

 Lead a team of highly capable individuals solving unique business problems at scale

Responsibilities will include …

Functional Expertise

 Develop underwriting strategies through data in Bharatpe ecosystem as well as explore alternate data.





 Close interaction with stakeholders such as Business team, Operations Team, lending partners etc.

 Early assessment of segment level loss rates & take quick action on the segments.

 Launch challenger segments & quantify expected benefit & loss from the same.

 Detailed understanding of in-house systems & agility to change legacy systems whenever required.

 Hands-on approach to risk segmentation and scorecard development.

 Take portfolio action through offus behavior from bureau/ alternate data triggers.

 Monitor implemented strategies to continuously assess business & risk impact.

Interaction

 Liaise with all departments to identify, track and provide remediation guidance for new projects and/or services

 Collaborating with teams like – Data Science, Product, Business to setup and monitor underwriting strategies

Problem Solving

 Promote a self-service culture by understanding the trends and behaviors in the Risk reporting and drive through the appropriate enhancements to ensure maximum utilisation of reporting and analytics toolsets

 Effectively navigate complex problems and ensure systematic problem-solving where risk problems are analyzed, options evaluated and decisions aligned with BharatPe Values

 Develop underwriting strategies for Personal Loan & postpe through existing data in Bharatpe ecosystem as well as explore alternate data To succeed in the role

Impact





 Minimize potential losses through effective risk mitigation strategies.

Challenges & Decisions

 Analyzing and interpreting large volumes of data to identify meaningful risk insights.

 Balancing risk management objectives with business growth and innovation.

Qualification & Experience (type & industry)

 Post Graduate Degree in Engineering/Economics/Statistics/Management

 7+ years of Risk Analytics and Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan

Skills & know-how

 A curious mind and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you!

 Hands-on experience of defining risk strategies, managing portfolio and building risk models along with problem solving and analytical thinking

 A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale

 Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python

 Experience of Alternate data along with Bureau Data Management and designing Risk Strategies using the same

 Communication and Stakeholder management – you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs

Behaviors

 Skilled at planning, tracking plans, working cross department to review processes and controls, gathering and organizing documentation and test results

 Must have the ability to influence others and work at all management levels across the organizational structure

 Ability to collaboratively develop a risk strategy in conjunction with stakeholders

 Strong analytical thinking, written, and oral communication and presentation skills

📌 Senior Manager - Risk (Gurugram)
🏢 BharatPe
📍 Gurugram