Risk Analyst

About Groww:

We are a passionate group of people focused on making financial services accessible to every Indian through a multi-product platform. Each day, we help millions of customers take charge of their financial journey. Customer obsession is in our DNA. Every product, every design, every algorithm down to the tiniest detail is executed keeping the customers needs and convenience in mind. Our people are our greatest strength. Everyone at Groww is driven by ownership, customer-centricity, integrity and the passion to constantly challenge the status quo.

Are you as passionate about defying conventions and creating something extraordinary as we are Let's chat.

Our Vision

Every individual deserves the knowledge, tools, and confidence to make informed financial decisions. At Groww, we are making sure every Indian feels empowered to do so through a cutting-edge multi-product platform offering a variety of financial services. Our long-term vision is to become the trusted financial partner for millions of Indians.

Our Values

Our culture enables us to be what we are India's fastest-growing financial services company. It fosters an environment where collaboration, transparency, and open communication take center-stage and hierarchies fade away. There is space for every individual to be themselves and feel motivated to bring their best to the table, as well as craft a promising career for themselves.

The values that form our foundation are:

• Radical customer centricity
• Ownership-driven culture
• Keeping everything simple
• Long-term thinking
• Complete transparency

Job Responsibilities

• Develop underwriting strategies for Personal Loan leveraging existing / alternate data
• Hands-on approach to risk segmentation & ability to implement the same on system
• Monitor implemented strategies to continuously assess business & risk impact
• Collaborating with teams like Data Science, Product, Business to setup and monitor underwriting strategies Monitor & track repayment patterns of existing portfolio & propose strategy changes (if any)
• Detailed understanding of in-house systems & agility to change the same whenever required
• Create and Manage exception triggers in the underwriting rule engine
• Monitoring of TTD, Approval and conversion metrics and identify opportunities to enhance business or marginal segments to maintain a sound portfolio.

Skills Required:

• Knowledge of Risk and Credit scorecards
• Hands-on experience of defining risk strategies, managing portfolio and building risk models along with problem solving and analytical thinking
• Adept in quantitative analysis, data mining, trend analysis and creating insights within the large data eco-system. Proficiency in data tools like SQL/Python
• Communication and Stakeholder management you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs