Risk Analyst

About PayU

PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000 + merchants and millions of consumers.

As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.

Thinking of becoming a PayUneer and you are curious to know more about us? Read more about the life in PayU here

PayU Finance is the credit and lending arm of the PayU brand (a wholly-owned subsidiary of the Prosus group. Previously Naspers group) headquartered in Amsterdam, Netherlands. PayU Finance India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million in consumer credit. PayU Finance provides consumers and merchants with easy access to affordable short-term / medium-term loans.

KEY ACCOUNTABILITIES AND DELIVERABLES

• Responsible for ensuring credit risk in the portfolio to be within guardrail / benchmark
• Credit policy – Designing acquisition credit policy through domain understanding, historical learnings and predictive analytics for multiple programs leveraging credit bureau, transactions, banking data and business profile etc.
• Portfolio Management Activities – Designing credit policy for portfolio level risk actions such as Credit Line Increase / Decrease, early warning signals etc.
• Portfolio Management Activities – Designing and preparing Portfolio Quality Reports based on on-us, off-us performance to track the portfolio Risk.
• Developing customer segments to effectively track portfolio risk performance and timely action.
• Monitoring of Through-The-Door population characteristics to ensure its within expected benchmark, profile review to understand Through-The-Door population,
• Designing, monitoring and evaluating collection strategies to ensure effective collections in the portfolio
• Developing Risk based Pricing Model
• Conduct periodical stress tests to Identify potential weakness in portfolio and provide feedback to Management for necessary action
• Designing and building the ECL (expected credit loss) framework, Analysing Loan Portfolios offered by Co-Lending Partner and Estimating Credit Losses on such portfolio
• Developing Credit Rating Model, Application Scorecard and Behavioural Scorecard to manage portfolio risk effectively
• Working with cross-function teams to ensure timely deliverables of risk objectives

CANDIDATE PROFILE

About us

At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more www.payu.com

Our Commitment To Building A Diverse And Inclusive Workforce

As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.

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