Job Description

We are looking for a Risk Analyst – Data Science & Analytics to join our Commercial Bureau Analytics & Pre-Sales Consulting team, with a dedicated focus on MSME bureau analytics. This is a hands-on role for an analyst who can use commercial credit bureau data, statistical modelling and machine learning to solve credit-risk problems for banks, NBFCs, fintechs and other MSME lenders. You will work on bureau-based risk models, scorecards, portfolio diagnostics, early-warning and segmentation use cases, while also supporting proofs of concept and analytically grounded pre-sales solutions. Strong Python and SQL skills, sound credit-risk modelling fundamentals and practical exposure to MSME / SME lending or commercial bureau data are core requirements for this role.

What you'll do

- Analyse MSME commercial bureau and lender portfolio data to support use cases across acquisition, underwriting, risk segmentation, portfolio monitoring, early warning and collections.
- Work with business-entity and facility / tradeline-level bureau information, including repayment and delinquency patterns, credit exposure and outstanding balances, utilisation, enquiries, account vintage, product mix and lender mix; combine these with permitted client, firmographic or financial attributes where relevant.
- Translate a lender use case into a structured analytical design, including outcome / bad definition, observation and performance windows, sample construction, segment definitions, data requirements and success metrics.
- Develop and validate bureau-based credit-risk scorecards and predictive models for default / reliable delinquency risk, risk segmentation and related MSME credit decisions using statistically appropriate techniques.




- Engineer robust bureau variables from longitudinal and tradeline data, perform data-quality diagnostics, and create reproducible analytical datasets using Python and SQL.
- Evaluate model performance and stability using measures such as KS, Gini / AUC, lift and gains, calibration, out-of-time validation and PSI / CSI, selecting metrics appropriate to the use case.
- Perform portfolio analytics such as vintage, cohort, roll-rate, delinquency migration, concentration and risk-segment analysis to identify emerging portfolio trends and actionable insights.
- Build rapid but defensible proofs of concept for client opportunities and quantify the incremental value of bureau data, derived variables or analytical approaches over existing baselines.
- Support pre-sales consultants in client discovery, analytical solution design, methodology discussions, presentations and responses to technical questions.
- Contribute reusable bureau features, modelling utilities, templates and analytical frameworks that improve speed and consistency across recurring MSME use cases.
- Work with Product and Technology teams on UAT and productisation of repeatable analytics, and follow applicable data-security, model-governance, documentation and compliance standards.

What success looks like

- MSME bureau analyses and models are technically sound, reproducible and directly relevant to lending or portfolio decisions.
- Client proofs of concept clearly demonstrate analytical value, limitations and expected business impact within agreed timelines.
- Reusable bureau variables, code and analytical templates reduce turnaround time and improve consistency across opportunities.
- Model development and analytical outputs meet expected standards for validation, documentation, governance and quality.

📌 Risk Analyst – Data Science & Analytics (Mumbai)
🏢 Experian
📍 Mumbai