Analyst, Credit Risk Management

About PhonePe Group: 

PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture

At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right  environment for you is just one of the things we do. We empower people and trust them to do the right  thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a  big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of  the best minds in the country and executing on your dreams with purpose and speed, join us!

What to expect from this role: 

We plan to expand our risk strategy team, and we are looking for experienced risk professionals who will work on building risk strategy for our lending business. They will work in a dynamic environment, and with cross-functional teams to help manage risk while continuously supporting the business to grow. They will be expected to work on:

• Build Risk strategies to manage Fraud and Credit Risk for Lending business 
• Build best in class risk models
• Be able to clearly communicate results and recommendations to various stakeholders
• Manage the overall portfolio risk and predict ECL for the portfolio 
• Evaluate alternate data sources to solidify the risk management 
• Work with cross-functional teams to build the anomaly detection capabilities 
• Collaborate with Product team to build the right product to manage risk
• Evaluate the effectiveness of the solutions and improve upon them in a continuous manner
• We expect them to have a mix of a strong technical background and to have a keen eye for business implications of their work 

The ideal candidate for this role should: 

• BTech/ BE from Tier-I & II colleges 
• 1-2 years of experience in Risk Analytics preferably with FinTechs 
• Experience in SQL, Python, MS Excel 
• Preferably experience with Statistical modeling such as Logistic Regression, Decision Trees, Gradient Boosting models etc. 
• Be agile and highly collaborative, communicate impressively 
• Strong analytical acumen and problem solving 
• Be skilled in building and managing business alliances 
• Be highly data-driven and adept at balancing needs with business goals 
• Thrive in a competitive and a result-oriented work environment 

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

• Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
• Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
• Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
• Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
• Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment 
• Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog.

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