Location - Mumbai, India
Experience: 1 – 4 Years
Domain: Risk & Analytics
Full-Time Prospect
ABOUT PAYU FINANCE
PayU Finance is a leading fintech lending company, part of the global PayU Group, committed to democratising financial services across emerging markets. We leverage cutting-edge technology and data-driven insights to provide innovative credit products to individuals and businesses. Our Risk & Analytics team sits at the heart of our lending business, ensuring responsible growth through rigorous credit risk frameworks, regulatory compliance, and advanced quantitative modelling.
ROLE OVERVIEW
1. Portfolio Monitoring & Performance
Monitor the performance and risk trends of the Personal Loans, SMB Loans, and Transaction Credit portfolios across origination, delinquency, roll rates, losses, vintages, cohorts, and customer segments.
Maintain regular portfolio reviews, investigate material movements and concentrations, and translate observations into clear risk actions.
2. Portfolio & Risk Insights
Generate portfolio and risk insights through recurring analysis,
deep dives, and early-warning reviews to support responsible growth and sound credit decisions.
Diagnose key drivers of performance changes and communicate concise, evidence-based recommendations to relevant stakeholders.
3. Leadership Dashboards & Reporting
Develop and maintain leadership dashboards and management reporting that provide a clear view of portfolio health, risk trends, key metrics, and emerging concerns.
Improve the consistency, timeliness, and usability of dashboards by partnering with Data, Technology, Risk, and Finance teams.
4. Credit-Risk Risk Appetite Statement
Support the definition of the credit-risk Risk Appetite Statement for the covered portfolios, including the metrics, thresholds, and monitoring approach used to assess risk-taking.
Periodically review the Risk Appetite Statement using portfolio performance and risk insights.
5. Risk Guardrails & Ongoing Mon
📌 Associate Risk Analyst (Mumbai)
🏢 PayU
📍 Mumbai