Analyst - Consumer Risk

About the Company :

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital,

Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Key Responsibilities :

1. Reporting & Visualization

○ Design, develop, and maintain Tableau dashboards for real-time monitoring of operational KPIs (e.g., turnaround time, efficiency, risk metrics).

○ Automate recurring reports to reduce manual efforts.

2. Data Analysis & Insights

○ Perform deep-dive analyses to identify bottlenecks, trends, and opportunities in operational workflows.

○ Translate findings into actionable recommendations for process improvements.

3. Cross-functional Collaboration

○ Partner with Central Analytics to align on data governance, metrics definitions, and advanced modeling needs.

○ Act as the bridge between Operations teams and Data Science for predictive analytics use cases (e.g., demand forecasting, risk scoring).

4. Data Integrity & Governance

○ Ensure accuracy and consistency of operational data by implementing validation checks in SQL / queries.

○ Document data lineage and key metric calculations.

○ Adhere to the policy & guidelines shared by Central Analytics / DS team related to Data governance and security

Required Skills & Qualifications

Must-Have

2+ years of hands-on experience in :

• Tableau (dashboard development, calculated fields, parameters).
• SQL (complex joins, window functions, query optimization).
• Strong analytical mindset with ability to solve operations-specific problems (e.g., capacity planning, SLA adherence).
• Bachelor’s degree in Engineering, Math, or Statistics from a Tier 1 / Tier 2 institute.
• Experience working with large datasets and ETL pipelines.

Good-to-Have

Soft Skills