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.