Paytm Labs

Digital payments, loans, investments, and insurance

Credit Risk Manager

Risk ManagementConfirmed live in the last 24 hours

Full-timeNoida, Uttar Pradesh, IndiaNo salary listedIn-person

About the Job

Requirements

Five to eight years of experience in portfolio risk management within fintech, banks, or non-bank financial companies.
Hands-on experience with SQL, Python, R, and PySpark.
Good understanding of bureau data, alternative data, scorecards, and digital lending application programming interfaces.
Ability to translate data into clear insights and recommendations.
Familiarity with business intelligence tools such as Tableau, Looker, and Metabase.
Understanding of machine learning models in credit risk.
Strong problem-solving and stakeholder management skills.

Responsibilities

Evangelize and demonstrate the value and impact of analytics for informed business decision-making by developing and deploying analytical solutions and providing data-driven insights to business stakeholders to understand and solve lending-business nuances.
Monitor, analyze, and optimize lending portfolios across consumer and merchant lending products.
Oversee portfolio health, develop and refine risk strategies, and support business growth through risk-adjusted decision-making.
Monitor portfolios and perform analytics.
Design risk strategies and policies.
Conduct stress testing and risk containment.
Perform loss forecasting and scenario planning.
Partner with product and growth teams.
Interface with collections and support collections strategy.
Manage compliance and bureau matters.

About Us

Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.

About the role:

Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances.

The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making.

Key Responsibilities :

- Portfolio Monitoring & Analytics

- Risk Strategy & Policy Design

- Stress Testing & Risk Containment

- Loss forecasting & scenario planning

- Product & Growth Partnership

- Collections Interface / Strategy

- Compliance & Bureau Management

Requirements:

- 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC

- Hands on experience in SQL, Python, R, Pyspark

- Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc

- Ability to translate data into clear insights and recommendations

- Familiarity with BI tools like Tableau, Looker , Metabase etc

- Understanding of machine learning models in credit risk

- Strong problem solving and stakeholder management skills

Why join us

● A collaborative output driven program that brings cohesiveness across businesses through technology

● Improve the average revenue per use by increasing the cross-sell opportunities

● A solid 360 feedback from your peer teams on your support of their goals

● Respect, that is earned, not demanded from your peers and manager

Compensation:

If you are the right fit, we believe in creating wealth for you

With an enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!

Requirements at a Glance

Experience Level: Senior

Benefits

Health & Wellbeing - Your group health benefits are 100% funded by us, and start on your first day.
Travel the World - Even though we are currently working remotely, usually our employees make frequent international business-related trips while working on exciting projects.
Continuous Learning - We're passionate about learning and strive to constantly improve and innovate. We learn from others, our challenges & our successes.
Connection - In this virtual world, we stay connected through events like game nights, movie nights, arts & crafts sessions (like Origami), meditation sessions, and much more.
Autonomy & Flexibility - You get to define how you want to make an impact. We truly believe that great things happen when people are given the trust and freedom to create their own path.
Beautiful Office - Whenever we return back to the office, you’ll get to check out our awesome workspace, complete with pool and ping pong tables, a snack-filled kitchen, and tons of cozy work spaces.

About the Company

Paytm Labs

Digital payments, loans, investments, and insurance

Paytm Labs offers an integrated digital payments and financial services platform in India for individuals and businesses, covering UPI payments, mobile recharges, bill payments, ticket bookings, loans, investments, insurance, metro cards, and more. Users initiate payments or financial actions in the app, which are processed through UPI and payment gateways, with revenue from transaction fees and commissions on financial services. It differentiates itself through a large ecosystem of merchants and users, a wide range of services in one app, and a focus on customer support and trust. Its goal is to make a broad set of financial services easily accessible to mass-market users while growing revenue via payment processing and financial services partnerships at scale.

Company size: 10,001+
Company stage: IPO
Headquarters: Noida, India
Founded: 2014

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