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
Credit Risk
PayU Finance – Credit Analyst
PayU, the fintech-arm of Naspers, is a leading financial services provider in global growth markets. We use our expertise and heritage in cross border and local payments to extend the services we offer to merchants and consumers. Our innovative technology, developed in-house as well as through investments and strategic partnerships, empowers billions of people and millions of merchants to buy and sell online, extending the reach of financial services. PayU specialises in credit products and services for emerging markets across the globe. We are dedicated to removing risks to merchants, allowing consumers to use credit in ways that suit them and enabling a greater number of global citizens to access credit services. PayU focuses on delivering innovative fintech solutions. We connect consumers and businesses, improving access to credit in markets such as India and Africa. With credit being the key business priority, Lazypay and Paysense, the alternate lending platforms, have been developed to offer credit solutions such as small ticket credit (Buy Now, Pay Later), app based personal loans and point of sale credit (Merchant EMI).
Your Impact
You will be responsible for developing and implementing risk management strategies to ensure the organization's lending activities are carried out prudently, profitably, and in compliance with regulatory requirements. As part of our credit risk team you will be operating at the core of the business, with stakeholders across functions to drive our hyper growth. Your role would vary from setting up risk agendas, creating effective scalable risk management frameworks & driving implementation.
Our Impact
The Credit Risk team develops, implements and maintains the acquisition as well as customer management strategies for the consumer lending business at PayU. We leverage traditional, alternative and behavioral data to create a credit policy that helps ensure risk-adjusted returns. We work extensively with the marketing, decision sciences, product and technology teams to help create a product and experience that puts the customer at the center.
We look for individuals with strong problem solving and analytical skills, innovative thinking and intellectual curiosity who want to make an immediate impact on the credit strategy and help the business manage risk effectively.
Skills & Experience
Qualifications and Experience:
Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.
4-8 years of relevant experience. Experience in risk policy/risk management/analytics would be preferred
Strong leadership skills, excellent communication skills, and a deep understanding of risk management practices in the financial services industry
Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership
Utilizing knowledge of credit bureau data, risk scorecards and ability to pay quantification
Expertise in excel and SQL; data manipulation using R/Python an added plus
Managing several projects simultaneously and driving end-to-end project delivery
Developing policy and procedures documentation for credit risk strategy execution
Developing and automating quality control process to ensure intended execution of credit strategiesLocation: Gurgaon/ Bangalore/ Mumbai
