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MeeshoAM/M - Risk Analytics - User Lending
This role sits in Meesho Financial Services, the company's lending arm, and is based in Bengaluru. It is full-time and on-site. The focus is User Lending,…
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About This Role
This role sits in Meesho Financial Services, the company's lending arm, and is based in Bengaluru. It is full-time and on-site. The focus is User Lending, which provides buy-now-pay-later products and personal loans to platform users. Risk analytics determines who receives credit and on what terms, so the person in this role shapes decisions that affect both growth and portfolio quality. The manager is responsible for risk analytics on one…
Job Description
This role sits in Meesho Financial Services, the company's lending arm, and is based in Bengaluru. It is full-time and on-site. The focus is User Lending, which provides buy-now-pay-later products and personal loans to platform users. Risk analytics determines who receives credit and on what terms, so the person in this role shapes decisions that affect both growth and portfolio quality.
The manager is responsible for risk analytics on one or more parts of the lending book while keeping growth healthy. Work includes examining credit policies using data from the platform, credit bureaus, text-message signals and other alternative sources, building scorecards and models for applications and collections, and running experiments on cohort behaviour and new rules. The role also develops early-warning indicators and automates portfolio reporting across several levels.
Typical tasks include looking into unexplained risk pockets, diagnosing trends through root-cause work, and monitoring days-past-due buckets, roll rates, vintage curves, non-performing assets, collection performance, acceptance rates, losses and portfolio yield. The person codes and maintains risk rules in a business rules engine, works alongside the bureau feature store to shape new underwriting variables, and presents findings to business, product and data science colleagues.
The posting calls for three and a half to eight years of relevant experience, hands-on work with BNPL, personal loan or other unsecured digital lending books, and strong SQL and Python. Familiarity with probability of default, exposure at default and loss-given-default modelling is expected, together with the ability to apply AI tools in analytical work.
Responsibilities
- Own risk analytics for BNPL, personal loan and similar unsecured lending products
- Diagnose emerging risks and run root-cause analysis on credit performance
- Assess current and proposed credit policies and convert portfolio insight into risk actions
- Measure how risk policies affect growth, credit quality and profitability
- Create simple scorecards, analysis frameworks and rule sets in a business rules engine
- Apply probability of default, exposure and loss-given-default concepts to expected credit loss
- Mine data with SQL, Hive, Metabase and Python, and present recommendations to senior stakeholders
Requirements
- Three and a half to eight years of relevant experience
- Practical experience running or studying unsecured digital lending portfolios, such as pay-later credit or personal loans
- Strong grasp of credit risk measures such as delinquency buckets, roll rates, vintage curves and loss metrics
- Strong root-cause analysis and critical thinking
- Working knowledge of SQL and tools such as Hive or Metabase
- Hands-on Python for data wrangling, simple scorecard building and coding risk rules
- Clear written and spoken communication that can shape risk decisions
Qualifications
- An MBA, an engineering degree, or a master's in a numbers-driven field such as statistics or data science
- Exposure to credit risk work such as risk analytics, credit policy or decision science, ideally in digital lending
- Demonstrated use of AI tools in everyday analytics and problem solving
Core Skills
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Where is the job based?
The listing shows a full-time, on-site role in Bengaluru.
How much experience is required?
The posting asks for three and a half to eight years of relevant experience.
Which tools does the role use?
The posting names SQL, Hive, Metabase and Python, and risk rules are coded in a business rules engine.
Is a salary stated?
The posting does not specify a salary.
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