Role Overview You will be part of the core Risk team, contributing to underwriting strategy, portfolio analytics, and credit policy for retail lending products (Personal Loans / LAMF). This role is suited for someone who combines solid data skills with a solid grasp of lending fundamentals and can translate analysis into actionable risk decisions.

What You'll Do
Underwriting Strategy
• Contribute to the design and refinement of underwriting rules and credit policies for Personal Loans and LAMF
• Evaluate creditworthiness using bureau data and alternate data sources
• Balance approval rates against risk thresholds and business objectives Portfolio Analytics & Monitoring
• Track and report on key portfolio metrics: disbursals, approval rates, delinquency, collection roll rates, DPD buckets, and NPAs
• Perform vintage and cohort analyses to detect early risk signals and portfolio trends
• Translate data findings into actionable policy recommendations Portfolio Actions
• Support initiatives around limit management — identifying candidates for limit increases or decreases based on behavioral and risk signals
• Assist in building frameworks for proactive portfolio interventions Data & Decisioning
• Write SQL/Python queries to extract, manipulate, and analyze large datasets




• Provide data support for analysis and ad-hoc investigations
• Build and maintain reports and monitoring dashboards What We're Looking For Must-Have
• 1–4 years of experience in credit risk, underwriting, or lending analytics
• Hands-on experience with SQL and Python for data querying, manipulation, and analysis
• Prior exposure to unsecured retail lending products — Personal Loans and/or Credit Cards
• Demonstrated contribution to at least one of: underwriting strategy, portfolio analytics, or portfolio actions (limit management)
• Solid understanding of bureau data (CIBIL / Experian) and core risk metrics — DPD, roll rates, vintage curves, PD Good to Have
• Experience with scorecard development or risk model building
• Familiarity with fintech or digital lending platforms
• Exposure to BI tools (Tableau / Power BI)
• Understanding of collections strategies and early warning frameworks Why This Role This is a high-ownership role sitting at the intersection of data, credit, and product. You'll work closely with Data Science, Product, and Business teams — with direct visibility into how risk decisions shape customer outcomes and business performance at INDmoney.

📌 Risk Analyst (Gurugram)
🏢 INDmoney
📍 Gurugram