Job Overview
You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the MSME Loans portfolio, create a user valuation model, and propose new product and pricing strategies.
Responsibilities
- Own the Credit policy for MSME Loans in India - Collaborate with cross-functional teams to design and implement credit policies and underwriting guidelines tailored to the needs of MSME borrowers.
- Monitor the performance of the MSME loans portfolio and identify trends, anomalies, and emerging risks
- Ensure compliance with KYC norms, regulatory requirements, and internal risk management standards
- Monitor and update credit policy to optimize for company risk, profitability, and growth targets
- Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
- Lead weekly credit committee meeting to share performance updates and analyses
- Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts
- Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability
- Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis
- Support the marketing and product team with their data needs
Qualifications
- Fluency in SQL and R/Python
- Previous experience in analytics and/or quantitative modeling, using large datasets
- Experience analyzing, visualizing, and communicating impactful insights to management, investors and / or auditors
- Strong strategic thinking and problem-solving skills
- 5+ years relevant experience in Credit Analytics with atleast 2 years’ experience in Credit Analytics for MSME Loans in India
- Enthusiasm for working across cultures, functions, and time zones