Credit Risk and Portfolio Analyst

Yabx, a FinTech venture of Mahindra Comviva focused on financial inclusion for the under-banked, is seeking a Credit Risk and Portfolio Analyst for its operations in Gurugram. This role is pivotal in driving credit policy decisions across the customer lifecycle and managing the Lending Portfolio's Profit & Loss (P&L) key performance indicators (KPIs). The analyst will be responsible for ensuring acceptable risk performance while simultaneously driving top-line revenue targets by identifying expansion opportunities within partner customer segments (banks and telcos).

What we look for:

• Passion for analytics: Demonstrated ability in credit strategy leveraging data-driven models, with a proven track record of delivering projects independently.
• Process oriented: Aptitude for building efficient processes that maintain risk integrity across multiple lending cycles, with a strong focus on data collection and analysis for continuous business improvement.
• Stakeholder Management: Experience in cultivating effective relationships and driving business deliverables with internal and external cross-functional partners.
• Willingness to go above and beyond: Adaptability and a proactive approach to handling the dynamic needs of a startup environment, including a comfort with calculated risks and ambiguity.

Job Responsibilities:

Portfolio Strategy & Credit Policy

• Develop credit strategies to support Go-to-Market (GTM) strategies, customer eligibility, and limit/exposure decisions throughout the customer loan lifecycle, utilizing telecom, wallet, bureau data, and mobile app insights.
• Design and optimize customer journeys and ongoing communication strategies to enhance usage, credit education, and repayment across various digital channels (Mobile App, SMS, USSD, OBD).
• Collaborate with external debt collection agencies to optimize direct debit rules and collection offers for delinquent customer segments, driving collection effectiveness.
• Establish frameworks for measuring the periodic performance of existing strategies.

Portfolio Monitoring & Governance

• Develop key portfolio tracking metrics and design reports with the support of the existing tech team.
• Monitor Pending Due Diligence (PDD) Management Information Systems (MIS) and follow up on pending PDDs, ensuring they remain within acceptable limits.
• Coordinate with partner teams for the due/overdue PDD process. Propose and implement solutions to maintain portfolio health by interfacing with data science, product, and business operations teams.

Required Qualifications & Skills:

• Proficiency in scorecards, credit policies, and risk management, particularly in unsecured lending contexts.
• Hands-on experience (over 1 year) as a data-driven strategy/policy analyst.
• Strong analytical thinking and problem-solving abilities; hands-on experience with SQL, Python, and PySpark SQL (Big Data Hadoop/Spark Stack) is preferred.
• A passion for applying data and algorithms to underwriting decisions; prior exposure to Machine Learning (ML) algorithms is advantageous.
• A strong entrepreneurial drive.
• A premier educational background, preferably in a technical or engineering discipline, is highly desirable.