Job Description

Job Details

Position Title:

Sr. Credit Risk Analyst

Reports to:

Lead - SME Policy

Company:

PayU Finance

Location:

Mumbai (preferable)



About Us



PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly



headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing



over $280 million in consumer credit and approximately 20 billion loans by volume, we have



established ourselves as a market leader in financial technology innovation. PayU Finance



provides consumers and merchants with easy access to affordable short-term/medium-term



loans.

About Role:

This pivotal position sits at the intersection of innovation and expansion within our embedded



merchant lending division at PayU Finance. As a key contributor, you will be instrumental in



our "0 to 1" scaling journey, where your expertise will drive the transformation of how we



leverage both alternative and traditional data sources to extend credit to underserved/new



market segments. Your impact will be realized through the strategic application of advanced



analytics, cutting-edge data science methodologies, and deep domain knowledge.

Role Details:

Develop and implement credit risk management strategies ensuring lending

activities are prudent, profitable, and compliant with regulations



Design credit policies using traditional and alternative data sources to optimize

risk-adjusted returns while meeting business objectives



Partner with senior leadership and partners to establish scalable risk frameworks

that support our hyper-growth trajectory



Establish and refine acquisition and customer management strategies specifically

tailored for our merchant lending business



Collaborate across Business, Data Science, Product, and Technology teams to

create customer-centric solutions that enable prudent scaling



Work directly with C-suite executives to ensure appropriate risk strategies are

implemented throughout the organization



Champion a culture of proactive risk management that supports our mission

Candidate Profile



Educational

Qualifications:

Bachelor's degree in Mathematics, Statistics, Economics,



Engineering or a related field.

Experience:

o 4-5 years of Experience in Credit Risk Policy / Risk Analytics



Prior experience in managing credit risk for Supply Chain Finance

Lending is a plus

Skills required:

o Strong problem-solving abilities with strong communication and



stakeholder management skills to successfully deliver business



and risk initiatives



Proficiency in at least one technical language (R, SAS, Python, or

SQL)



Demonstrated ability to visualize complex data analyses and

communicate insights effectively to diverse audiences, including



executive leadership



Strong sense of ownership with proven track record of delivering

results-focused project