Business Analyst
Gurugram, India
Payment – Payments India - IT Operations /
Full-time /
Hybrid
About PayU
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers.
As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.
What you will be doing?
• Preparing final analysis reports for the stakeholders to understand the data-analysis steps, enabling them to take important decisions based on various facts and trends.
• Developing and maintaining databases, and data systems – reorganizing data in a readable format.
• Using automated tools to extract data from primary and secondary sources.
• Extensively using PostgreSQL and MySQL to extract the required data from the databases.
• Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing, product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and collections.
• Create predictive early detection credit deterioration capabilities using internal and external performance data.
• Investigate, create, implement and validate various risk and financial forecasts using complex data including cohort and time series analysis of loan balances, revenue performance, net income performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.
• Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build relationships, set goals and track operations performance, providing an actionable feedback loop as it relates to portfolio performance across key Family Capital Funding metrics.
• Ensure sound credit control by taking a pro-active approach to risk management within the risk guidelines of Family Capital Funding.
• Demonstrate governance, control and risk management behaviors in alignment with Family Capital Funding policies and practices. Document all new processes per Enterprise policy.
• Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities to identify and maintain good business opportunities with new and existing clients.
• Perform detailed analysis and interpret information to make recommendations to Senior Management on critical strategies including nonstandard and ad-hoc requests as determined by management.
• Ensure the timely and effective communication of forecasting results & variance drivers; anticipating potential needs in an effort to establish and maintain good working relationships with key business stakeholders
What we're looking for?
- • Undergraduate or Master's degree in Computers or Engineering.
- • Minimum 3 years of related experience in Analytics only
- • Excellent SQL, Python and analytic programming skills (Power BI, Tableau, QuickSight), willingness to work closely with big data and get into the details with business processes.
- • Excellent business judgment and risk assessment as demonstrated by previous work or academic experience in an analytic role related to economic or business analysis
- • Strong Analytical and Problem-Solving Skills as demonstrated by previous experience in developing creative solutions to business strategy, technological, and operational problems
- • Knowledge and experience with statistical concepts and financial analytics (break-even analysis, NPV estimation, downside risk assessment)
- • Desire to help small businesses by eliminating inefficiencies and excessive costs in the lending business
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more www.payu.com
Our Commitment To Building A Diverse And Inclusive Workforce
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.
