Job Description
We are looking for a Senior Credit Risk Analyst to support risk strategy, underwriting, and portfolio monitoring for our digital lending products. The role involves working with large datasets, building insights, and partnering closely with business, product, and tech teams.
Key Responsibilities
- Analyze borrower and portfolio data to identify risk trends, early warning signals, and fraud indicators
- Support development and enhancement of credit policies, underwriting rules, and risk strategies
- Monitor portfolio performance including delinquency, roll rates, vintage analysis, and loss metrics
- Build dashboards and MIS reports for senior management
- Work on A/B testing, policy experiments, and impact analysis
- Collaborate with product and tech teams to implement risk logic and decision rules
- Assist in regulatory, audit, and compliance-related risk reporting
Required Skills & Qualifications
- Bachelor’s/Master’s degree in Engineering, Statistics, Mathematics, Economics, or related fields
- Strong analytical and problem-solving skills
- Hands-on experience with SQL (mandatory)
- Proficiency in Excel; Python/R is a plus
- Understanding of credit risk concepts such as underwriting, PD, delinquency, and loss metrics
- Experience in fintech, NBFC, banking, or digital lending preferred
Good to Have
- Experience working with bureau data (CIBIL, Experian, Equifax, CRIF)
- Exposure to risk modeling or scorecards
- Familiarity with digital lending products like personal loans, BNPL, or consumer credit
About Kissht:
Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses.
Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.
Key Responsibilities
- Analyze borrower and portfolio data to identify risk trends, early warning signals, and fraud indicators
- Support development and enhancement of credit policies, underwriting rules, and risk strategies
- Monitor portfolio performance including delinquency, roll rates, vintage analysis, and loss metrics
- Build dashboards and MIS reports for senior management
- Work on A/B testing, policy experiments, and impact analysis
- Collaborate with product and tech teams to implement risk logic and decision rules
- Assist in regulatory, audit, and compliance-related risk reporting
Required Skills & Qualifications
- Bachelor’s/Master’s degree in Engineering, Statistics, Mathematics, Economics, or related fields
- Strong analytical and problem-solving skills
- Hands-on experience with SQL (mandatory)
- Proficiency in Excel; Python/R is a plus
- Understanding of credit risk concepts such as underwriting, PD, delinquency, and loss metrics
- Experience in fintech, NBFC, banking, or digital lending preferred
Good to Have
- Experience working with bureau data (CIBIL, Experian, Equifax, CRIF)
- Exposure to risk modeling or scorecards
- Familiarity with digital lending products like personal loans, BNPL, or consumer credit
About Kissht:
Kissht, a Great Place to Work® certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit. As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending. With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses.
Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry. Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.
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