Risk Analyst

Key Responsibilities

• As the risk team member, you will be responsible for managing risk strategy and containing credit losses at Prefr.
• You will be responsible for building different credit risk policies using different scorecards and models.
• Policies include approve/decline, block/unblock, pricing, limit assignment, etc.
• Working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies.
• Working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence.
• Constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required.
• Building and publishing portfolio monitoring reports/dashboards with risk matrices on a regular basis and providing key insights.
• Calculate loss provision for the portfolios and provide loss forecasting of future months.
• Provide support with data and insights on risk for lender onboarding, lender reviews, internal risk committee reviews, etc.
• Create product programs and policy documents with subsequent changes and version controls.

Requirements

• 2-4 years of strong analytical, monitoring, execution experience in banks/NBFCs/fintechs.
• Proficient in SQL and Python.
• Prior retail credit experience will be strongly preferred, followed by any experience on underwriting in proximate fields like unsecured loans, insurance, working capital loans, etc.
• Have the ability to analyze and solve complicated problems and distill that complexity into simple and concise communication.
• Strong written and verbal communication skills.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.