Credit Risk Analyst

Location: Chennai (Work from Office) Experience: 5+ Years Employment Type: Full-Time

About the Role We are looking for an experienced *Credit Risk Analyst* to join our Risk team. The ideal candidate will bring strong, hands-on experience in credit risk assessment within the NBFC space, specifically in unsecured lending, along with the analytical and technical capability to work with AI-driven credit models and statistical risk frameworks.

Key Responsibilities - Assess, monitor, and manage credit risk across the unsecured loan portfolio, including personal loans, consumer durable loans, and other unsecured lending products. - Develop, validate, and continuously refine credit scoring models and risk assessment frameworks in collaboration with the Data Science/Analytics team. - Analyze borrower data, credit bureau reports, and alternate data sources to assess creditworthiness and default risk. - Monitor portfolio performance indicators (delinquency, NPA trends, roll rates, vintage analysis) and provide actionable insights to leadership. - Collaborate with AI/ML teams to build, test, and deploy AI-based credit underwriting and risk-scoring models; interpret model outputs for business and regulatory stakeholders. - Conduct statistical analysis (logistic regression, decision trees, probability of default modelling, etc.) to support risk-based pricing and credit policy decisions. - Ensure credit risk policies and underwriting practices are in compliance with RBI guidelines applicable to NBFCs, including fair lending and responsible lending practices. - Prepare risk assessment reports, dashboards, and presentations for senior management and audit/regulatory reviews. - Identify early warning signals and recommend risk mitigation strategies for the unsecured loan book. - Work closely with Credit Policy, Collections, and Underwriting teams to align risk appetite with business growth objectives.

Required Qualifications & Experience - *5+ years of experience* in Credit Risk / Risk Analytics, with *mandatory experience in an NBFC, specifically handling **unsecured loan products*. - Strong working knowledge of *credit risk modelling, statistical analysis, and AI/ML-based credit models* (e.g., model development, validation, or working closely with data science teams on model deployment). - Proficiency in statistical tools and techniques — regression analysis, hypothesis testing, predictive modelling, and probability-based risk assessment. - Hands-on experience with data analysis tools such as *Python, R, SQL, or SAS* (specify based on your tech stack). - Sound understanding of credit bureau data (CIBIL, Experian, CRIF, Equifax) and their application in credit underwriting. - Familiarity with RBI regulatory guidelines applicable to NBFCs and unsecured lending norms. - Bachelor's/Master's degree in Finance, Statistics, Economics, Mathematics, Data Science, or a related field. MBA/CFA/FRM is a plus. - Strong analytical and problem-solving skills, with the ability to translate data insights into actionable credit policy recommendations. - Excellent communication skills to present risk findings to both technical and non-technical stakeholders.

Good to Have - Prior exposure to building or fine-tuning AI/ML-based underwriting engines or alternate credit scoring models (using non-traditional data sources). - Experience with portfolio risk dashboards/BI tools (Power BI, Tableau). - Understanding of digital lending platforms and API-based credit decisioning systems.