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Risk Analyst (Consumer Lending) - Executive Manager



Noida, Uttar Pradesh, India
Posted on Wednesday, February 15, 2023
About Paytm:
Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases. Paytm provides consumers with services like utility payments and money transfers, while empowering them to pay via Paytm Payment Instruments (PPI) like Paytm Wallet, Paytm UPI, Paytm Payments Bank Netbanking, Paytm FASTag and Paytm Postpaid - Buy Now, Pay Later. To merchants, Paytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.
About the Team:
We are an end-to-end tech enabled credit platform providing seamless credit access to customers. Our capabilities extend from fully digitized customer on boarding, seamless in-app to real times offers. We partner with financial institutions and leverage the insights we gather through our ecosystem to design and offer innovative and customized financial products to our consumers and merchants. Our lending product portfolio include Postpaid (BNPL), Personal Loans, Merchant Loans and Co-branded Cards.
About the role:
Risk Analyst is an Individual Contributor role where you will develop and execute analytics strategies to enable data driven decision making. He/She/They will be responsible for tracking key risk metrics and communicating trends to stakeholders.
Key Responsibilities:
- Analyze the delinquency performance and derive data-driven insights for creating risk strategies in acquisition and portfolio management
- Monitor risk performance to identify any developing trends and design portfolio interventions for corrective action
- Analyze portfolio performance to identify risk factors and exception reporting
- Explore new data sources to identify risk segregating variables
- Drive continuous performance improvement for various risk metrics via an ongoing test and learn framework
- Present findings and recommendations to senior management and stakeholders
- Timely delivery of risk reports. Automation of dashboards.
Person Should have:
- 1 - 5 years of relevant experience into data analytics in Lending Space with Fintech / NBFC / Bank
- Bachelor’s degree in Mathematics/Statistics/Economics/Engineering
- Excellent SQL & Python/Pyspark skills. Extensive experience querying large, complex data sets
- He/She/They should possess analytical bend of mind and should be comfortable with ambiguity
- Proven track record at delivering timely and accurate information in a fast-paced environment
Why join us:
Merit based culture that thrives on self-motivated & driven individuals who are set out to make a successful career in India’s fastest growing Fintech Organization. Agile & democratic setup that gives space to your creativity, offers opportunity to work at scale coupled with an environment that encourages diverse perspective at all times.
Compensation: If you are the right fit, we believe in creating wealth for you.
With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!