Analyst - Credit Risk

Location: Bangalore

What is Muthoot FinCorp ONE?

Muthoot Fincorp ONE, is a fintech startup and SBU of Muthoot FinCorp Ltd., building a financial ecosystem where customers can access relevant and reliable digital services across an expansive range of digital financial products in segments like Lending, Saving & Investment, Protection, and Remittance.

Our products are designed to ensure a simple, reliable, and responsive financial environment for our customers. Envisioned to be the most trusted financial service provider, our app has an easy-to-use interface aimed to enhance user experience and comfortable navigation.

Our promoter, Muthoot FinCorp Ltd., is one of the most reputed names in the Fintech industry and has the customers' trust in diverse segments like Financial Services, Automotive, Hospitality, Alternate Energy, Real Estate, and Precious Metals.

We continue to uphold the values of our parent, the Muthoot Pappachan Group by providing you with easily accessible services, replete with our unmistakable quality.

Muthoot FinCorp ONE believes in an ownership driven startup culture, where cumulative success is paramount, and each team member is valued and nurtured.

What can you expect?

? Build the future, Today - Build for scale in an ever-expanding marketplace

? Attractive compensation* - Attractive salaries and benefits

? Perks & other benefits - Wholesome well-being and personal satisfaction

??‍? Work with the brightest minds in the industry - Premium colleges, great pedigree and amazing teams

? Dynamic work environment: Stable yet exciting - Constant challenges that test the best in you

? Quick-paced growth - Wide exposure, and terrific mentors to accelerate professional growth

Responsibilities

1. Risk Monitoring and Framework:Need to have detailed understanding and experience of lending business (MSME lending will be preferred one) and should have worked on handling sizeable portfolio with creation of necessary risk framework with respect to monitoring and having practical experience of ascertaining PD, LGD,



EAD and EL along with forecasting of the risk.

1. Automation Reports:Develop andmaintainautomated reports, including payment confirmation, portfolio, andcollectionreports to streamline reporting processes.

1. Risk Reporting:Conduct regular risk-related data analysis and ensuretimelyreporting to meet compliancerequirementsDPD Analysis (Delinquency), Roll rates, NPA Analysis.

1. ML / Data Science Backed Model:Have experience in creating surrogate-based scorecard model and predictive modellingfrom scratchalong with riskcategorisationof the customers based on ML model usingapproachlike logistic regression, random forest, XG Boost etc.

1. Ad-Hoc Data Requests:Respond to data requests from various teams, including Product, Business Operations, and Finance, ensuringaccurateand actionable insights.

1. Report Maintenance:Ensure all reports are up-to-date,accurate, and validated regularly tomaintaindata integrity.

1. Cross-DepartmentalCollaboration:Work closely with other teams to deliver actionable data insights that support business decisions.

1. Data Management:Handleadditionaldata tasks, such as working with bureau data, preparing dashboards,monitoringmanual data for co-lending partners, and validating data across Loan Management Systems (LMS) and Loan Origination Systems (LOS).

Skills & Qualifications:
- Technical Skills:ProficiencyinSQL,R,PythonandAWS toolslikeAthenaandRedshift(If knowspreferable) forquerying, data analysis, and managing large datasets.ML model using approach like logistic regression, random forest, XG Boostetc
- Experience with automation tools and reporting frameworks.
- Strong data analysis skills with attention to detail.
- Proficiencyin report development and maintenance, with experience in portfolio, risk, andcollectionreports.
- Ability to collaborate across departments and respond effectively to ad-hoc requests.
- Familiarity with LMS, LOS systems, and bureau datamanagement,AML.
- Understanding ofdata privacy regulations and compliance standards.

Experience: 5+ years of experience in the BFSI industry

? Excited? So are we! Apply now to be a part of our incredible workforce!

📌 Credit Analyst (Bengaluru)
🏢 Muthoot Fincorp
📍 Bengaluru