Risk Analyst

Job description

Role Overview You will be part of the core Risk team, contributing to underwriting strategy, portfolio analytics, and credit policy for retail lending products (Personal Loans / LAMF). This role is suited for someone who combines strong data skills with a solid grasp of lending fundamentals and can translate analysis into actionable risk decisions. What You'll Do Underwriting Strategy • Contribute to the design and refinement of underwriting rules and credit policies for Personal Loans and LAMF • Evaluate creditworthiness using bureau data and alternate data sources • Balance approval rates against risk thresholds and business objectives Portfolio Analytics & Monitoring • Track and report on key portfolio metrics: disbursals, approval rates, delinquency, collection roll rates, DPD buckets, and NPAs • Perform vintage and cohort analyses to detect early risk signals and portfolio trends • Translate data findings into actionable policy recommendations Portfolio Actions • Support initiatives around limit management — identifying candidates for limit increases or decreases based on behavioral and risk signals • Assist in building frameworks for proactive portfolio interventions Data & Decisioning • Write SQL/Python queries to extract, manipulate, and analyze large datasets • Provide data support for analysis and ad-hoc investigations • Build and maintain reports and monitoring dashboards What We're Looking For Must-Have • 2–4 years of experience in credit risk, underwriting, or lending analytics • Hands-on experience with SQL and Python for data querying, manipulation, and analysis • Prior exposure to unsecured retail lending products — Personal Loans and/or Credit Cards • Demonstrated contribution to at least one of: underwriting strategy, portfolio analytics, or portfolio actions (limit management) • Solid understanding of bureau data (CIBIL / Experian) and core risk metrics — DPD, roll rates, vintage curves, PD Good to Have • Experience with scorecard development or risk model building • Familiarity with fintech or digital lending platforms • Exposure to BI tools (Tableau / Power BI) • Understanding of collections strategies and early warning frameworks Why This Role This is a high-ownership role sitting at the intersection of data, credit, and product. You'll work closely with Data Science, Product, and Business teams — with direct visibility into how risk decisions shape customer outcomes and business performance at INDmoney.