Job Responsibilities

Portfolio Strategy &

- Credit Policy

- Develop credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle using telecom, wallet, bureau data, mobile app
- Develop and optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (Mobile App, SMS, USSD, OBD)
- Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers
- Building framework for measuring periodic performance of existing strategies

Portfolio Monitoring &

- Governance

- Develop portfolio tracking metrics and design reports leveraging existing tech team
- Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.
- Coordination with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team

Required Qualifications &

- Skills

- Knowledge of scorecards, credit policies and risk management in an unsecured context
- Hands on experience as a data driven strategy/policy analyst for more than 1 year
- Good analytical thought process and aptitude for problem solving




- Hands on experience using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) preferred
- Passion for using data and algorithm to drive underwriting decisions
- Previous exposure to ML algorithms.
- Robust entrepreneurial drive
- Premier educational background strongly preferred (technical, engineering discipline)

What We Look For

- Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity.
- Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.
- Stakeholder Management: Should have a track record of working with partners across functions internally as well as externally to build effective relationships and drive business deliverables.
- Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

📌 Senior Risk Analyst (Gurugram)
🏢 Comviva
📍 Gurugram