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Paytm, India's leading mobile payments and financial services distribution company, is seeking a Credit Risk Analyst to join its Credit Risk Product Team. This team is central to the company's lending operations, developing and enhancing credit risk models, decisioning frameworks, and risk mitigation strategies in collaboration with data scientists, engineers, and business stakeholders.
In this role, you will be responsible for analyzing credit risk across Paytm's lending products, including merchant loans, personal loans, and postpaid offerings. You will implement credit risk policies on the company's proprietary platform, working closely with business teams to translate policy requirements into operational systems. A key part of your work involves monitoring the performance of deployed credit policies, gathering feedback from product and policy teams, and identifying areas for improvement.
You will leverage alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation. This includes conducting testing and scenario analysis to measure policy resilience and monitoring key risk indicators (KRIs) to provide actionable insights to management. You will ensure all work complies with regulatory guidelines and internal risk policies, and collaborate with product and technology teams to integrate risk-based decision-making into lending processes.
The role offers exposure to India's largest digital lending ecosystem, with 500+ million registered users and 21+ million merchants. You will work in a fast-paced, dynamic environment where your contributions directly impact credit democratization for consumers and merchants across India.
REQUIREMENTS:
- 1–3 years of experience, preferably in fintech or banking
- Proficiency in SQL and Python for data analysis and manipulation
- Excellent analytical, problem-solving, and communication skills
- Ability to work in a fast-paced, dynamic environment and collaborate across teams
- Education: B.Tech from NIT, BITS, or other reputed institutions
