Credit Analyst

• Own the Credit policy for MSME Loans in India Collaborate with crossfunctional teams to design and implement credit policies and underwriting guidelines tailored to the needs of MSME borrowers.
• Monitor the performance of the MSME loans portfolio and identify trends anomalies and emerging risks
• Ensure compliance with KYC norms regulatory requirements and internal risk management standards
• Monitor and update credit policy to optimize for company risk profitability and growth targets
• Propose datadriven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
• Lead weekly credit committee meeting to share performance updates and analyses
• Conduct adhoc analysis to identify underlying explanations for changes in portfolio performance develop datadriven solutions and evaluate expected portfolio impacts
• Collaborate with data science product and engineering to propose hypothesis testing to improve risk and profitability
• Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis
• Support the marketing and product team with their data needs

• Fluency in SQL and R/Python
• Previous experience in analytics and/or quantitative modeling using large datasets
• Experience analyzing visualizing and communicating impactful insights to management investors and / or auditors
• Strong strategic thinking and problemsolving skills
• 5 years relevant experience in Credit Analytics with atleast 2 years experience in Credit Analytics for MSME Loans in India
• Enthusiasm for working across cultures functions and time zones

• Missiondriven and fastpaced entrepreneurial environment
• Competitive salary
• A collaborative and flat company culture
• Private health insurance for you
• A monthly stipend over and above your CTC to set up and maintain a good internet connection at home
• Laptop and headset provided by the company for the duration of the contract
• Weekly team meals and social events (virtual for now!)

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