You can become a part of … … a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally. We believe we are in an ever-evolving space with immense opportunity to build for Bharat Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore recent ideas, solve real problems, collaborate, connect — and we do it all together. Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game” Role Overview We are looking for a data-driven professional to join our Risk Analytics Team, with responsibility for managing underwriting and collections scorecards alongside a broad range of risk analytics, portfolio monitoring, executive reporting, and audit-related activities. The role will have an equal focus on scorecard management and development, and business-as-usual risk analytics and reporting. The candidate will work closely with Credit Risk, Underwriting, Collections, Business, Technology, and Audit teams to generate actionable insights, monitor portfolio performance & risk controls, and support data-driven decision-making. Responsibilities will include … Functional Expertise Risk Model Development, Reporting & Validation  Manage and monitor underwriting, application, behavioural, and collections scorecards, as applicable to the business  Analyse scorecard performance, predictive power, stability, and discriminatory ability using appropriate statistical techniques and performance metrics  Track key indicators such as approval rates, rejection rates, delinquency, default rates, roll rates, and collection/recovery performance  Conduct scorecard calibration, validation, back-testing, and periodic performance reviews  Identify changes in applicant and customer risk profiles, portfolio quality, and score distribution,



and recommend appropriate corrective actions  Partner with Credit Policy, Underwriting, and Collections teams to translate insights into actionable business strategies  Design, develop, and validate Underwriting & Collection Scorecards  Extensive experience in building data pipelines using credit bureau data – preferably Experian and CRIF Financial Modelling & Portfolio Risk Management  Own portfolio analytics and business performance monitoring, tracking key risk metrics such as NPA, GWO, and credit losses, alongside early warning indicators including bounce rates, roll-forward rates, and early-stage delinquency (DPD) trends  Perform portfolio-level analysis across the credit lifecycle, covering customer acquisition, underwriting, loan performance, delinquency, and collections  Develop and monitor key risk indicators, dashboards, and early-warning metrics to identify emerging portfolio risks  Conduct vintage analysis, cohort analysis, roll-rate analysis, delinquency trends, and portfolio segmentation  Evaluate the impact of credit policy changes, underwriting strategies, and collection initiatives on portfolio performance  Generate actionable insights to improve portfolio quality, risk-adjusted growth, and collection effectiveness.  Prepare periodic loss forecasting and ECL reports for Risk, Finance, and Senior Management stakeholders  Conduct portfolio-level loss forecasting, vintage loss analysis, delinquency and default trend analysis, and forward-looking loss assessments, Collection Analytics, Audit Requirements, Executive Reporting & Stakeholder Management  Drive the Annual Operating Plan (AOP) and performance management for Credit Risk and Collections, integrating AUM projections, credit loss forecasts, and operating budgets.  Provide analytical support to senior leadership for business reviews, strategic discussions, and Board presentations.  Identify and develop frameworks for new revenue opportunities, including customer charges, fees, and other monetisation initiatives.  Leverage data-driven analytics to optimise collections prioritisation, treatment strategies, and portfolio performance.  Partner with the Collections Strategy team to evaluate and enhance collection strategies, assessing their impact on key risk metrics such as NPA, GWO,



and credit losses.  Handle urgent analytical requests and convert business questions into structured, data-backed analysis  Support internal and external audits, regulatory reviews, and risk governance requirements, as applicable  Track audit observations and coordinate with relevant stakeholders on remediation and closure  Lead and mentor junior and peer analytics professionals, driving analytical excellence, process automation, and efficient reporting. Problem Solving Analytical Thinking  Ability to break down complex business problems into analytical components  Design innovative solutions for risk measurement and management challenges  Demonstrate strong quantitative reasoning and hypothesis testing skills Strategic Decision Making  Translate analytical insights into actionable business recommendations  Support strategic planning with quantitative risk assessments Innovation & Methodology  Research and implement new analytical techniques and methodologies  Continuously improve existing models and processes  Identify opportunities for automation and efficiency gains Interaction Cross-functional Collaboration  Work closely with Policy, Finance, and Business teams  Partner with IT and Data Engineering on infrastructure requirements  Collaborate with ERM and Audit teams on regulatory matters Stakeholder Communication  Present complex analytical findings to senior management and board committees  Communicate risk insights to nontechnical stakeholders effectively  Prepare executive summaries and management reports To succeed in the role Qualification & Experience (type & industry) ●Graduate/ Postgraduate from a recognized university ●6 to 10 years post-qualification in banking or fintech field Skills & know-how Programming & Analytics  Advanced proficiency in R or Python  SQL for data manipulation and analysis  Experience with machine learning libraries (scikitlearn, caret, etc.)  Knowledge of big data technologies (GCP/Spark) Statistical & Modeling Expertise  Advanced statistics  Credit Risk Modeling  Machine learning techniques  Optimization and simulation methods Tools & Platforms  Knowledge of cloud platforms (AWS, Azure, GCP, Databricks) preferred  Familiarity with version control systems (Git) Behaviors  Extremely high ownership.  Self-starter with a bias for action.  Ability to operate in a high ambiguity environment.  Robust Interpersonal Skills for collaborating with various Units for facilitating closures  Effective Team Player.

📌 Senior Manager (Gurugram)
🏢 BharatPe
📍 Gurugram