AM/M - Risk Analytics - User Lending
Core
Drive risk analytics and policy decisions for User Lending (BNPL and Personal Loans) to assess borrowers without traditional credit history using alternative data.
Role type
Senior Risk Analytics Engineer (User Lending)
Builds
Credit scorecards, application scores, collection scores, and real-time underwriting rules for BNPL and Personal Loans.
Domain
Financial Services / Fintech / Credit Risk
Deliverable
production ML models
Required skills
Credit risk modeling, alternative data analysis, scorecard development, experimental design, portfolio monitoring, business rule engine configuration, feature engineering
Preferred skills
Experience with captive audience lending, building day-1 policies, identifying leading indicators and early warning signals
Technologies
Business Rule Engine (BRE), Bureau Feature Store, SMS data, platform data, bureau data
Responsibilities
Analyze credit policies using platform and alternative data; create policies, scorecards, and models for BNPL and PL; design experiments to test cohort behavior and policies; identify risk pockets and leading indicators; automate portfolio reporting; refine and create new credit policies; configure and test real-time underwriting rules.
Seniority
Senior, hands-on IC
