PAYU PAYMENTS PRIVATE LIMITED
Job Details
Position Title
BA-Credit Risk
Company
PayU Finance
Location:
Gurgaon (preferable)
About Us
PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly-owned subsidiary of the globally renowned Prosus group (formerly Naspers group) headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing over $280 million in consumer credit and approximately 20 billion loans by volume, we have established ourselves as a market leader in financial technology innovation. PayU Finance provides consumers and merchants with easy access to affordable short-term/medium-term loans.
About Role
This pivotal position sits at the intersection of innovation and expansion within our embedded merchant lending division at PayU Finance. As a key contributor, you will be instrumental in our 0 to 1 scaling journey, where your expertise will drive the transformation of how we leverage both alternative and traditional data sources to extend credit to underserved/new market segments. Your impact will be realized through the strategic application of advanced analytics, cutting-edge data science methodologies, and deep domain knowledge.
Role Details
- Develop and implement credit risk management strategies ensuring lending activities are prudent, profitable, and compliant with regulations
- Design credit policies using traditional and alternative data sources to optimize risk-adjusted returns while meeting business objectives
- Partner with senior leadership and partners to establish scalable risk frameworks that support our hyper-growth trajectory
- Establish and refine acquisition and customer management strategies specifically tailored for our merchant lending business
- Collaborate across Business, Data Science, Product, and Technology teams to create customer-centric solutions that enable prudent scaling
- Work directly with C-suite executives to ensure appropriate risk strategies are implemented throughout the organization
- Champion a culture of proactive risk management that supports our mission
Candidate Profile
Educational Qualifications
Bachelor's degree in Mathematics, Statistics, Economics, Engineering or a related field.
Experience
- 1-2 years of Experience in Credit Risk Policy / Risk Analytics OR
- 1-2 years of Experience in Business Analytics/Business Strategy
Skills Required
- Strong problem-solving abilities with strong communication and stakeholder management skills to successfully deliver business and risk initiatives
- Proficiency in at least one technical language (R, SAS, Python, or SQL)
- Demonstrated ability to visualize complex data analyses and communicate insights effectively to diverse audiences, including executive leadership
- Strong sense of ownership with proven track record of delivering results-focused projects
