Senior Credit Risk Analyst

Kissht

Mumbai4 years expFull TimeIn OfficeNot disclosed

Posted 5 months ago

Risk Analysis

Job Title: Senior Credit Risk Analyst

Company: Kissht

Location: Mumbai

Experience: 4–6 years


Role Overview

We are looking for a Senior Credit Risk Analyst to support risk strategy, underwriting, and portfolio monitoring for our digital lending products. The role involves working with large datasets, building insights, and partnering closely with business, product, and tech teams.


Key Responsibilities

  1. Analyze borrower and portfolio data to identify risk trends, early warning signals, and fraud indicators
  2. Support development and enhancement of credit policies, underwriting rules, and risk strategies
  3. Monitor portfolio performance including delinquency, roll rates, vintage analysis, and loss metrics
  4. Build dashboards and MIS reports for senior management
  5. Work on A/B testing, policy experiments, and impact analysis
  6. Collaborate with product and tech teams to implement risk logic and decision rules
  7. Assist in regulatory, audit, and compliance-related risk reporting

Required Skills & Qualifications

  1. Bachelor’s/Master’s degree in Engineering, Statistics, Mathematics, Economics, or related fields
  2. Strong analytical and problem-solving skills
  3. Hands-on experience with SQL (mandatory)
  4. Proficiency in Excel; Python/R is a plus
  5. Understanding of credit risk concepts such as underwriting, PD, delinquency, and loss metrics
  6. Experience in fintech, NBFC, banking, or digital lending preferred

Good to Have

  1. Experience working with bureau data (CIBIL, Experian, Equifax, CRIF)
  2. Exposure to risk modeling or scorecards
  3. Familiarity with digital lending products like personal loans, BNPL, or consumer credit