Analyst, Credit Risk Management

Responsibilities

• Build risk strategies to manage Fraud and Credit Risk for the lending business
• Evaluate alternate data sources to solidify risk management frameworks
• Develop and implement high-quality risk models
• Communicate results and strategic recommendations clearly to various stakeholders
• Continuously evaluate the effectiveness of existing solutions and implement improvements
• Balance technical modeling with a keen understanding of business implications

Requirements

• BTech/BE from Tier-I or Tier-II colleges
• Proficiency in SQL, Python, and MS Excel
• Strong analytical acumen and problem-solving skills
• Ability to thrive in a competitive, result-oriented, and agile work environment
• Highly data-driven mindset with the ability to balance technical needs with business goals

Preferred Qualifications

• Experience with statistical modeling techniques such as Decision Trees and XGBoost
• Experience working in a dynamic, cross-functional environment

Benefits

• Comprehensive insurance coverage including Medical, Critical Illness, Accidental, and Life Insurance
• Wellness programs including an Employee Assistance Program and onsite medical center
• Parental support including Maternity, Paternity, Adoption, and Day-care assistance
• Mobility and relocation benefits
• Retirement benefits including PF contributions, Gratuity, and NPS
• Additional perks such as Higher Education Assistance and Car Lease options

About the Company

PhonePe is a leading digital payments platform in India, serving over 600 million registered users and a network of over 40 million merchants. Our portfolio includes financial services like insurance, lending, and wealth management, as well as new consumer tech businesses. We aim to unlock the flow of money and access to services for every Indian.