risk analyst

• as the risk team member you will be responsible for managing risk strategy and containing credit losses at Prefr • you will be responsible for building different credit risk policies using different scorecards and models • policies include approve/ decline block/unblock pricing limit assignment etc • working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies • working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence • constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required • building and publishing portfolio monitoring reports/dashboards with risk matrices on a regular basis and providing key insights • calculate loss provision for the portfolios and provide loss forecasting of future months • provide support with data and insights on risk for lender onboarding lender reviews internal risk committee reviews etc • create product programs and policy documents with subsequent changes and version controls
• 2-4 years of strong analytical monitoring execution experience in banks/NBFCs/fintechs • proficient in SQL python • prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields like unsecured loans insurance working capital loans etc • have the ability to analyze and solve complicated problems and distil that complexity into simple and concise communication • strong written and verbal communication skills