About Us:

Paytm is India’s leading mobile payments and financial services distribution
company. A pioneer of the mobile QR payments revolution, Paytm builds technology
that enables small businesses and consumers to participate in the digital
economy. Our mission is to serve half a billion Indians and bring them into the
mainstream economy through technology.

About the Team:

The Credit Risk Product Team is at the core of our lending operations, ensuring
that our risk assessment models are effective, scalable, and compliant with
regulatory frameworks. The team collaborates closely with data scientists,
engineers, and business stakeholders to develop and enhance credit risk models,
decisioning frameworks, and risk mitigation strategies. By leveraging advanced
analytics and machine learning, the team continuously refines underwriting
processes to optimize loan performance and reduce defaults.

About the Role:

We are seeking a detail-oriented Credit Analyst to join our risk management
team. The ideal candidate will be responsible for implementing credit risk
policies,



optimizing risk policies, and ensuring compliance with regulatory
requirements. You will work closely with data scientists, product managers, and
credit teams to enhance our underwriting models and decisioning frameworks.

Key Responsibilities:

* Analyze credit risk across various products, including merchant and personal
loans, postpaid.

* Liaison with the business team to understand the credit risk policies and
implement the same on platform.

* Implement the credit risk policies on our proprietary platform.

* Monitor performance of credit risk policies. Share feedback with product and
Policy team what's working well and what needs improvement.

* Utilize alternative data sources, machine learning models, and traditional
credit assessment techniques to enhance risk evaluation.

* Conduct testing and scenario analysis to measure policy resilience.

* Monitor key risk indicators (KRIs) and provide ac

📌 Risk Analyst (Gurugram)
🏢 Paytm
📍 Gurugram