Risk Data Analyst

JobTitle: Risk Data Analyst / Junior Risk Strategy Analyst

Department: Risk

Location: India

WorkExperience: 1-3 years of relevant experience; exceptional fresh graduates are welcome

JobResponsibilities:

1. Analyze full-cycle data of loan application, underwriting, disbursement and delinquency. Monitor key risk metrics including approval rate, disbursement rate and First Payment Default (FPD). Assist in analysis and optimization of pre-loan underwriting, anti-fraud and credit limit strategies. Evaluate risk performance across customer segments, channels and policy rules, and provide data insights for strategy adjustment.

2. Organize and verify risk-related datasets, policy documents and supporting evidence. Support RBI supervisory inspections, internal audits and compliance activities.

3. Research local Indian third-party vendors covering credit bureaus, bank statement analysis, KYC identity verification and anti-fraud solutions. Compare vendor capabilities, pricing and integration requirements.

4. Communicate with risk, product, tech teams and external vendors to resolve data issues and drive third-party integration.

JobRequirements:

• 1. Bachelors degree or above. Majors in Statistics, Mathematics, Finance, Economics, Computer Science or other quantitative disciplines are preferred.
• 2. Proficient in Excel, skilled in SQL for data extraction and query. Knowledge of Python or data visualization tools is a plus.
• 3. Prior experience in NBFC, fintech, digital lending or risk management is preferred.
• 4. Good English communication skills, strong data analysis capability and proactive problem-solving mindset.
• 5. Familiarity with RBI regulations or local Indian financial service ecosystem is a plus.