Business Analyst- Risk

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: • 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: • 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