Risk Data Analyst

Job Title: Risk Data Analyst / Junior Risk Strategy Analyst
Department: Risk
Location: India
Work Experience: 1-3 years of relevant experience; exceptional fresh graduates are welcome
Job Responsibilities:
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.
Job Requirements:
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.