ZET - Manager - Risk Analytics

Responsibilities :

• Design, develop, and validate risk models (scorecards, look-alike models, behavioural risk models) to optimize credit decisioning.
• Conduct portfolio analytics to monitor delinquency trends, vintage analysis, and risk-return trade-offs.
• Leverage statistical and machine learning techniques to improve customer underwriting, fraud detection, and collection strategies.
• Work closely with credit, product, and technology teams to implement and refine data-driven risk policies.
• Identify early warning signals and recommend changes in credit approval criteria.
• Perform A / B testing and back-testing of models to ensure robustness and accuracy.
• Partner with credit bureaus, data providers, and internal teams to source and integrate new data variables.
• Create dashboards, MIS, and insights for leadership to enable risk-based :
• 3+ years of experience in risk analytics within an NBFC, fintech.
• Strong exposure to credit risk modelling, portfolio analytics, and policy formulation.
• Hands-on experience with look-alike models, scorecards, and data modelling techniques.
• Proficiency in SQL, Python / R, and statistical modelling techniques.
• Understanding of credit bureau data (CIBIL, Experian, Equifax, CRIF) and alternate data usage.
• Strong analytical, problem-solving, and communication skills.
• Educational background in Statistics, Mathematics, Economics, Engineering, or related fields (Tier-1 / Tier-2 institute preferred).

(ref : iimjobs.com)