Junior credit risk analyst

Credit Risk Analyst Key Responsibilities Data Analysis Analyse credit data, decision funnels, and approval rates to identify trends and risk drivers. Conduct deep-dive analysis on customer behaviour, delinquencies, and collections performance to uncover actionable insights. Strategy Development & Implementation Provide data-driven recommendations to optimize collections strategies, reduce delinquencies, and improve recoveries. Collaborate with cross-functional teams to implement and evaluate risk and collections strategies. Performance Monitoring & Reporting Track key portfolio metrics including approval rates, roll rates, and collection efficiency. Build dashboards, reports, and visualizations to communicate insights and drive decision-making. Best Practices & Tools Stay updated with evolving risk and collections methodologies. Develop and automate reporting systems for scalable analytics. Translate complex datasets into clear business insights for stakeholders. Stakeholder Communication & Continuous Improvement Present insights and recommendations to business stakeholders. Identify process improvement opportunities and enhance risk and collections frameworks. Qualifications & Experience Bachelor’s degree in Finance, Economics, Mathematics, Computer Science, or related field. Fresher/2+ years of experience in credit risk / collections analytics / fintech, preferably in unsecured lending Strong proficiency in SQL, Excel (Macros), Power BI / Tableau; Python is a plus Experience in decision funnel analysis, approval rate optimization, and collections performance tracking Strong analytical thinking and communication skills Job Types: Full-time, Permanent, Fresher Pay: ₹300,000.00 - ₹700,000.00 per year Benefits Provident Fund Work Location: In person