Business Analyst

Bengaluru, India /
Credit - Data Science /
Full-time
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. 

 Role: Business Analyst 
                                                                   
Location: Bangalore/Gurgaon/Mumbai
 
About the Role:
 We are looking for a Senior Business Analyst 
About the team:
PayU Finance is the credit and lending arm of the PayU brand (a wholly-owned subsidiary of the Prosus group. Previously Naspers group) headquartered in Amsterdam, Netherlands. PayU Finance India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million in consumer credit. PayU Finance provides consumers with easy access to affordable short-term loans up to INR 5 lacs that can be availed in the form of personal loans, point of sale EMI, and express loans.  PayU Finance operates under two brands - LazyPay and PaySense with a focus on Buy now Pay later and personal loan products..
 
Excited yet? Continue reading to find out more about the role:
 What you’ll be doing:
•             Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy considering, among others, macroeconomic environment, industry and micro-industry concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit performance, etc.
•             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 behaviours 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 non-standard 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 are we looking for?
•             Undergraduate degree in Economics, Engineering, or Mathematics
•             3+  years of related experience in a Business Analytics, Finance, Strategy, or Product functional area
•             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
•             Excellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely with large data sets and get into the details with business processes
•             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
 
What we offer :
●             A positive, get-things-done workplace
●             A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)
●             An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
●             Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
●             Access to 5000+ training courses accessible anytime/anywhere to support your growth and development (Corporate with top learning partners like Harvard, Coursera, Udacity)
 
 
 
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 at 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 our people, communities, and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility, and unbiased attention to 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.
 
 
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.