WeCredit - Risk Analyst

About the Company :
WeCredit is a fast-growing fintech company revolutionizing access to financial products in India. We partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team aids every step of the way, from Completing your loan documents to ensuring fast disbursal of funds.
About the Role :
We are looking for a proactive and analytical Risk Analyst to join our dynamic team. The ideal candidate will have prior experience in credit risk analysis, portfolio performance tracking, and risk modelling within the fintech or NBFC ecosystem. This role will directly contribute to building scalable, compliant, and data-driven risk systems that support our business growth and sustainability.
Key Responsibilities :
- Analyse credit risk performance across borrower segments and products.
- Develop and refine risk models, scorecards, and decision frameworks using internal and external data.
- Monitor key risk indicators (KRIs) and recommend corrective actions for portfolio health.
- Collaborate with product, data, and lending teams to create and iterate risk strategies.
- Assist in fraud risk management initiatives using data insights and technology tools.
- Conduct stress testing and scenario analysis to assess credit portfolio vulnerability.
- Ensure compliance with regulatory guidelines (RBI, NBFC norms) and internal risk policies.
- Support audits, regulatory inspections, and risk-related documentation.

Requirements :
- Bachelors or Masters degree in Finance, Economics, Statistics, Mathematics, or related field.
- 0-1 years of experience as a Risk Analyst in a Fintech, NBFC, Bank, or Credit Bureau.
- Strong knowledge of credit risk principles, scorecards, and lending operations.
- Hands-on experience with data tools such as Excel, SQL, Python/R (basic level), and visualization tools (Power BI/Tableau).
- Understanding of RBI regulatory framework, NBFC norms, and credit risk compliance.
- Excellent analytical, communication, and problem-solving skills.
- Prior experience in consumer lending, personal loans, or SME loans is a plus.