Credit Risk Data Analyst

Starting with credit, NIRA aspires to be the pre-eminent financial brand for the mass market or"Middle India".We already have customers in over 5,000 towns and cities, and were growing quickly. Its a very exciting time to join us. We have over 200+ employees

Currently, only 10% of Indians can use banks when they need credit: banks typically require a high credit score or collateral, something most people dont have. It need not be this way. Using a combination of traditional data and the vast amount of digital data available, it is now possible to score the unscored.

Today, we receive 15000 new loan applications daily from across 4000 cities in India, and we are growing 15-20% MoM. People reach us at their time of need, and we offer them credit via our app. Money reaches their bank account within 24 hrs of application.

We are addressing head-on a big challenge. Its also a great opportunity from both a commercial and societal impact perspective. We can improve lives for millions. It is no exaggeration to say that our addressable market will be 400mm within 5 years. Its pretty exciting, we think.

If our mission resonates with you, and you are a talented and hardworking individual that wants to commit yourself to an incredible challenge, then we want to hear from you.

As one of the primary engineers on the team, youll be building and scaling production systems for our growing customer base. You’ll work on a breadth of systems including real time decision engines, loan origination, collection, dynamic credit, deep integrations with Indian FIs, KYC, smart document processing & our internal workflow management applications. Youll also work on the new products that we introduce to improve the financial lives of our customers.

As our product enters its next phase of expansion, you would utilize your domain knowledge of consumer credit to improve underwriting heuristics for our customer segments.

Youll work closely with the data scientists, underwriting & collections team to achieve these objectives.

Roles & responsibilities:

• Identifying opportunities in credit and validate them with data.
• Analyze and monitor portfolio performance.
• Develop hypothesis and test them on our existing application and loan performance data.
• Develop contextual understanding of the customer and use it to identify the relevant data points to analyze and make data driven credit decisions.

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Skills & Qualifications:

• Education – Bachelors/masters in mathematics, Analytics or other relevant Engineering disciplines
• Highly analytical with experience in Python (or any other statistical programming language) and SQL
• Attention to details and strong data orientation.
• Strong quantitative skills
• Good to have: 0-2 years of experience working within a financial institution or a credit bureau.
• Good to have: Experience working on credit policies, using risk and fraud score cards, analyzing tradelines for unsecured loans or card portfolios.
• Good to have: Experience or familiarity with end-to-end life cycle of a retail loan portfolio.