Manager - ECLECL – Expected Credit Loss Bangalore/Mumbai, India2 – 8 YearsRisk & AnalyticsFull-Time
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 cutting-edge 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
We are looking for a highly motivated and analytically rigorous Senior / Lead Risk Analyst to own the end-to-end Expected Credit Loss (ECL) process under Ind AS 109 / IFRS 9. You will lead monthly ECL calculations, build and validate quantitative credit models (PD, LGD, EAD), drive regulatory and audit readiness, and champion automation initiatives to modernise our credit risk reporting stack. This is a high-visibility role with direct interaction with Finance, Risk Management,



Regulators, and senior leadership.KEY RESPONSIBILITIES
Monthly ECL Calculation & Data Validation

Accurately compute monthly Expected Credit Loss (ECL) per Ind AS 109 / IFRS 9 or relevant regulatory standards.
Collect, clean, and validate data inputs to ensure accuracy, completeness, and consistency across systems.
Analyse data quality, proactively identify anomalies or gaps, and implement corrective actions.
Perform reconciliations, sensitivity analyses and back testing to validate ECL results.
Deliver monthly ECL outputs within defined deadlines to support financial reporting and management decisions.02 ECL Model Development & Validation
Design and develop quantitative ECL models incorporating PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) parameters.
Conduct rigorous model validation to assess performance, stability, and regulatory compliance.
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📌 Manager - ECL & Loss Forecasting (Bengaluru)
🏢 PayU Payments
📍 Bengaluru