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Credit Risk Analytics Lead

Credit Risk Analytics Lead

RupeekIndia
6 days ago
Job description

About Rupeek

Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes. Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital.

In Apr 2024, Rupeek turned profitable and raised

in equity capital from Manipal Group and Elevation Capital to fund its next phase of growth

  • Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity.

Job Title : Credit Risk Analyst / Manager Education : Engineering Background or Chartered Accountant; MBA is a plus Experience :

4-6 yrs of work-ex in credit risk analytics function of Bank / NBFC / Fintech Location : Bangalore

Job Summary :

We are seeking a highly skilled and detail-oriented

Manager - Credit Risk Analytics

to join our Risk Management team. The ideal candidate will be responsible for evaluating, developing, and implementing credit risk policies, performing data analysis, and building risk models to support sound credit decisions while managing a team of junior analysts. The candidate must have a strong command of SQL, Excel, and statistical tools such as Python, R, and Tableau.

Key Responsibilities :

Develop a deep understanding of all risk metrics in the company product portfolio (loans) - credit risk, market risk and operational risk. Build predictive and prescriptive data science models to improve approval rates while augmenting risk adjusted revenue. Support the development and implementation of credit scoring models and risk-based pricing strategies. Liaison with tech and engineering team to manage decision engine, develop newer datasets to improve accuracy of the decision models Develop, implement, and monitor credit risk policies and frameworks in alignment with regulatory standards and internal business objectives. Conduct in-depth risk modeling and stress testing to forecast potential credit losses Design and maintain ETL pipelines for seamless data processing and risk model deployment. Perform regular data crunching and analysis to identify risk trends, patterns, and outliers. Utilize SQL, Excel, Tableau, Python, and R to generate insights, dashboards, and reports. Manage a team of analysts to deliver quality outcomes across all the above mentioned team actionables Ensure compliance with internal policies and external regulations related to credit risk.

Required Qualifications :

Bachelor’s / Master’s degree in Engineering, Finance, Economics, Statistics, Mathematics, Data Science, or related field. 4–6 years of experience in Credit Risk Analysis or Risk Management roles Proven experience in credit risk policy formulation and implementation. Advanced skills in

Excel

and working with

relational databases

  • Hands-on experience in
  • risk modeling

    statistical analysis

    data crunching

  • Proficiency in
  • Python

    Tableau

    ETL tools

  • Strong analytical mindset with attention to detail and the ability to present data-driven insights clearly.
  • Preferred Attributes :

    Strong communication and interpersonal skills. Ability to work independently and handle multiple tasks with minimal supervision. Experience working in fintech, NBFCs, or banking sectors is desirable.

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