BA -Risk lending Analytics

About PayU
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers. 
As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day. 
Thinking of becoming a PayUneer and you are curious to know more about us? Read more about the life in PayU here 
Role: Business Analyst - Risk lending Analytics
Company: PayU Payments Pvt Ltd
Location: Gurgaon/Bangalore/Mumbai
About the Role
The role is with the PayU India Payments Data, Insights & Strategy team, with specific focus on building a stringent risk framework and controls to reduce frauds and chargebacks at PayU.
The candidate will work closely with the COO on a variety of strategic initiatives in the Fraud & Credit Risk domain. Fraud is a complex challenge to solve due to the ever-evolving nature of the payments industry.
The fraud risk of any digital transaction can be visualized via a combination of risks from Merchant or Customer or Transaction being fraudulent. The ideal fraud management system is a combination of rules and ML/AI models aimed at detecting anomalies and suspicious patterns. These rules and ML/AI systems should have an auto-update capability to account for the changing fraud trends as fraudsters start evolving and adapting to these fraud detection systems. The ML/AI part of the fraud detection system requires a team of experts with deep technical and domain knowledge to build and sustain such systems.
Joining our strategy and analytics team offers you the chance to make a difference to wide range of businesses in a rapidly growing market. Deep insights driven portfolio management and monitoring are critical drivers of success for every business today.
Therefore, PayU Payments is building out its Fraud and Risk Management capabilities and will continue to do so in the coming years. You will be able to help shape the efforts at PayU towards this objective.

Responsibilities

• - Perform diagnostic and predictive analytics to help create a merchant, customer and transactionmonitoring strategy considering, among others, macroeconomic environment, industry and micro- industry concentrations, behavioural patterns, product usage, risk appetite, geography, seasoning,term, credit performance, etc.
• - Design differential evaluation framework for early as well as steady state fraud detection
• - Influence, monitor, and assess impacts to PayU’s merchant portfolio as a result of risk policy, fraud detection, and portfolio monitoring and collections
• - Interface with Product, Data Science, and Operations teams to set joint goals and track operations performance, providing an actionable feedback loop
• - Perform detailed analysis and interpret information to make recommendations to Senior Management on critical gaps and implementation of appropriate controls

Requirements to be successful in this role:

• - A degree in Statistics, Computer Science, Mathematics or other similar quantitative field from a premier institute
• - Should have 2+ year work experience in analytics
• - Good experience in deriving insights and/or building machine learning in R/Python and SQL
• - Should have technical & project execution experience
• - Excellent communication and stakeholder management skills and demonstrated focus for client / customer satisfaction
• - Strong problem-solving skills with the ability to understand and execute complex analysis
• - Detail oriented with strong organizational skills. Ability to function in a high volume setting with tight deadlines
• - High-energy individual with a go-getter instinct and positive attitude.
• - Should be a great teammate who promotes knowledge-sharing