Business Analyst - Credit Risk
India
Credit – Credit - Data Science /
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.
Business Analyst - Credit Risk
- PayU Finance – Credit Analyst
- PayU, the fintech-arm of Naspers, is a leading financial services provider in global growth markets. We use our expertise and heritage in cross border and local payments to extend the services we offer to merchants and consumers. Our innovative technology, developed in-house as well as through investments and strategic partnerships, empowers billions of people and millions of merchants to buy and sell online, extending the reach of financial services. PayU specialises in credit products and services for emerging markets across the globe. We are dedicated to removing risks to merchants, allowing consumers to use credit in ways that suit them and enabling a greater number of global citizens to access credit services. PayU focuses on delivering innovative fintech solutions. We connect consumers and businesses, improving access to credit in markets such as India and Africa. With credit being the key business priority, Lazypay and Paysense, the alternate lending platforms, have been developed to offer credit solutions such as small ticket credit (Buy Now, Pay Later), app based personal loans and point of sale credit (Merchant EMI).
- Your Impact
- You will be responsible for developing and implementing risk management strategies to ensure the organization's lending activities are carried out prudently, profitably, and in compliance with regulatory requirements. As part of our credit risk team you will be operating at the core of the business, with stakeholders across functions to drive our hyper growth. Your role would vary from setting up risk agendas, creating effective scalable risk management frameworks & driving implementation.
- Our Impact
- The Credit Risk team develops, implements and maintains the acquisition as well as customer management strategies for the consumer lending business at PayU. We leverage traditional, alternative and behavioral data to create a credit policy that helps ensure risk-adjusted returns. We work extensively with the marketing, decision sciences, product and technology teams to help create a product and experience that puts the customer at the center.
- We look for individuals with strong problem solving and analytical skills, innovative thinking and intellectual curiosity who want to make an immediate impact on the credit strategy and help the business manage risk effectively.
Skills & Experience
- Qualifications and Experience:
- Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.
- 4-8 years of relevant experience. Experience in risk policy/risk management/analytics would be preferred
- Strong leadership skills, excellent communication skills, and a deep understanding of risk management practices in the financial services industry
- Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership
- Utilizing knowledge of credit bureau data, risk scorecards and ability to pay quantification
- Expertise in excel and SQL; data manipulation using R/Python an added plus
- Managing several projects simultaneously and driving end-to-end project delivery
- Developing policy and procedures documentation for credit risk strategy execution
- Developing and automating quality control process to ensure intended execution of credit strategies
Location: Gurgaon/ Bangalore/ Mumbai
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.
