Analyst, Credit Risk Management

India
Permanent
Full-time

13 days ago

About PhonePe Limited:Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.PhonePe's portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are 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 go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you're excited by the idea of building platforms that touch 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

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process,Read more about PhonePe .

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