About Fibe (formerly Early Salary):

Fibe is one of Indias leading consumer lending apps focused on young, aspirational, and tech-savvy Indian consumers. It is building a financial ecosystem that enables the mid-income group and the underserved segments to fulfil their financial aspirations. Fibe offers a range of financial products, including cash loans, long-term personal loans, and Impact loans for sectors like Healthcare, Education, Green Finance, Loan Against Mutual Funds, making affordability more accessible.

Fibe has grown multifold over the years and emerged as a market leader in providing financial assistance to young middle-income and underserved groups in India. Due to its scalable business model, Fibe has recently been upgraded to A- by CARE Ratings and has access to debt lines from leading banks, NBFCs and wholesale debt markets. It has been certified with ISO/IEC 27001 for its Information Security Management System (ISMS).

Fibe has disbursed more than 8 million+ loans worth Rs. 33,000 Cr+ since inception through its lending partners.

- Winner of BW Festival of Fintech Lending Platform of the Year (Gold) and Fintech Brand of the Year (Silver).
- ET Healthcare Awards 2024 - Excellence in Affordable Healthcare Financing.
- Entrepreneur 2024 Founder of The Year & Best Innovation in Financial Services .
- Winner of G20 Digital Innovation Alliance Best Startup in Fintech
- Great Place to Work Certified .

Job Title: Risk Analyst

Job Location: Pune

Department: Risk Management

Role Overview We are seeking an experienced Risk Analyst to join our Risk Management team, focusing on Personal Loan portfolios. The ideal candidate will have a solid background in credit risk assessment, portfolio analytics,



and policy formulation within the Indian NBFC or Banking or Fintech sector. This role requires a strategic thinker who can balance risk and growth objectives while ensuring compliance with regulatory guidelines.

Key Responsibilities:

1. Credit Risk Analysis:

- Evaluate personal loan applications using internal scorecards, credit bureau data, and risk models.
- Identify high-risk segments and recommend mitigation strategies.

2. Portfolio Monitoring & Analytics:

- Track portfolio performance, delinquency trends, and early warning indicators.
- Conduct vintage analysis, stress testing, and scenario modeling.

3. Policy & Process Development:

- Assist in designing and updating credit policies, underwriting guidelines, and risk frameworks.
- Ensure alignment with RBI regulations and internal compliance standards.

4. Risk Modeling & Data Insights:

- Work with analytics teams to enhance risk models and predictive tools.
- Leverage data-driven insights for decision-making and portfolio optimization.

5. Stakeholder Collaboration:

- Partner with business, product, collections, and Credit teams to implement risk strategies.
- Provide risk inputs for new product launches and pricing decisions.

Qualifications & Skills:

- Education: CA/Postgraduate in Finance, Economics, Statistics, or related field.
- Experience: 58 years of experience in credit risk management for personal loans in NBFCs or Banks.
- Hands-on exposure to scorecards, bureau data, and risk analytics tools.

Skills:

- Strong analytical and quantitative skills.
- Proficiency in Excel, SQL, and risk modeling software (SAS/R/Python preferred).
- Knowledge of RBI guidelines and regulatory compliance for retail lending.

📌 Risk Analyst (Pune)
🏢 Fibe -
📍 Pune