Analyst Credit Risk
Location: Bangalore
Experience: 5+ Years
Domain: BFSI | Fintech | Credit Risk | Risk Analytics
Role Overview
We are looking for an experienced Credit Risk Analyst with strong expertise in lending risk analytics, portfolio monitoring, and predictive modeling. The role involves building risk frameworks, analyzing portfolio performance, and leveraging data science techniques to strengthen credit decisioning and risk forecasting.
Key Responsibilities
Risk Monitoring & Framework
- Develop and manage risk frameworks for lending portfolios (MSME lending preferred)
- Work on risk parameters such as PD, LGD, EAD, and Expected Loss (EL)
- Monitor portfolio performance and forecast risk exposure
Risk Reporting & Analytics
- Perform DPD analysis, roll rate analysis, and NPA analysis
- Build dashboards and reports for portfolio performance tracking
- Provide data-driven insights to support credit strategy decisions
Data Science & Predictive Modelling
- Build ML-based credit risk models using logistic regression, random forest, XGBoost, etc.
- Develop scorecards and customer risk segmentation models
- Analyze large datasets to improve risk assessment accuracy
Automation & Data Management
- Develop automated reports for portfolio, collections, and payment tracking
- Work with bureau data, LMS (Loan Management Systems), and LOS (Loan Origination Systems)
- Ensure accuracy and integrity of risk data
Cross-Functional Collaboration
- Collaborate with Product, Finance, Business Operations, and Risk teams
- Handle ad-hoc data requests and provide actionable insights
- Support decision-making through structured data analysis
Required Skills & Qualifications
- 5+ years of experience in Credit Risk / Risk Analytics within BFSI
- Strong understanding of lending lifecycle and portfolio risk management
- Hands-on experience with PD, LGD, EAD, EL frameworks
- Strong proficiency in SQL, Python or R
- Experience working with AWS tools such as Athena, Redshift (preferred)
- Experience in predictive modelling techniques such as logistic regression, random forest, XGBoost
- Experience building automated reports and dashboards
Preferred Skills
- Experience in MSME lending or fintech risk analytics
- Familiarity with LMS, LOS systems, and bureau datasets
- Understanding of AML and regulatory compliance frameworks
- Strong analytical and problem-solving skills
