Senior Credit Risk Analyst

We are seeking a talented and detail-oriented Risk Analyst to join our Risk Analytics team. The ideal candidate will be responsible for identifying, analyzing, and assessing the potential risks that could affect the organization. This role involves leveraging data analytics to provide insights and recommendations for mitigating risks and ensuring the company's financial stability and compliance with regulatory requirements.

What You'll Do :

Conduct thorough risk assessments by analyzing data and identifying potential risks to the organization.

Develop and implement risk management strategies and models to predict and mitigate potential risks.

Monitor and report on risk exposure and the effectiveness of risk management practices.

Collaborate with various departments to understand and address their risk-related concerns.

Create comprehensive risk reports and present findings to senior management.

Stay updated with industry trends, regulatory changes, and best practices in risk management and analytics.

Utilize statistical software and risk modeling tools to analyze large datasets and generate insights.

Perform stress testing and scenario analysis to evaluate the impact of different risk factors. Set up cooling periods, velocity checks on week 0 to identify bad actors and to comply with regulations

Building risk scoring mechanism for users

Set up chargeback procedure with payment gateway providers

Review internal loan accounts to improve credit policy for digital loan products

Manage the portfolio for multiple lenders, which consists mainly of Secured and unsecured loan products

What We’re Looking For :

Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related field. A Master’s degree is preferred.

Proven experience in risk analysis, risk management, or a related field.

Proficiency in statistical software (e.g., SAS, R, Python) and data analysis tools.

Strong analytical and problem-solving skills.

Excellent communication and presentation skills.

Knowledge of regulatory requirements and industry standards related to risk management.

Ability to work independently and as part of a team.

Strong attention to detail and the ability to manage multiple tasks simultaneously.

Preferred Skills :

Familiarity with Credit bureau datasets.

Professional certifications such as FRM (Financial Risk Manager) or PRM (Professional Risk Manager) are a plus.

Familiarity with database management and SQL.

About Kissht :

Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses.

Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.