Risk Analyst

Role Overview

You will be part of the core Risk team, contributing to underwriting strategy, portfolio analytics, and credit policy for retail lending products (Personal Loans / LAMF). This role is suited for someone who combines strong data skills with a solid grasp of lending fundamentals and can translate analysis into actionable risk decisions.

What You'll Do

Underwriting Strategy

• Contribute to the design and refinement of underwriting rules and credit policies for Personal Loans and LAMF
• Evaluate creditworthiness using bureau data and alternate data sources
• Balance approval rates against risk thresholds and business objectives

Portfolio Analytics & Monitoring

• Track and report on key portfolio metrics: disbursals, approval rates, delinquency, collection roll rates, DPD buckets, and NPAs
• Perform vintage and cohort analyses to detect early risk signals and portfolio trends
• Translate data findings into actionable policy recommendations

Portfolio Actions

• Support initiatives around limit management — identifying candidates for limit increases or decreases based on behavioral and risk signals
• Assist in building frameworks for proactive portfolio interventions

Data & Decisioning

• Write SQL/Python queries to extract, manipulate, and analyze large datasets
• Provide data support for analysis and ad-hoc investigations
• Build and maintain reports and monitoring dashboards

What We're Looking For

Must-Have

• 2–4 years of experience in credit risk, underwriting, or lending analytics
• Hands-on experience with SQL and Python for data querying, manipulation, and analysis
• Prior exposure to unsecured retail lending products — Personal Loans and/or Credit Cards
• Demonstrated contribution to at least one of: underwriting strategy, portfolio analytics, or portfolio actions (limit management)
• Solid understanding of bureau data (CIBIL / Experian) and core risk metrics — DPD, roll rates, vintage curves, PD

Good to Have

• Experience with scorecard development or risk model building
• Familiarity with fintech or digital lending platforms
• Exposure to BI tools (Tableau / Power BI)
• Understanding of collections strategies and early warning frameworks

Why This Role

This is a high-ownership role sitting at the intersection of data, credit, and product. You'll work closely with Data Science, Product, and Business teams — with direct visibility into how risk decisions shape customer outcomes and business performance at INDmoney.