Credit Risk 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 

Credit Risk Analytics

• Roles and Responsibilities:
• Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy
• considering, among others, macroeconomic environment, industry and micro-industry
• concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit
• performance, etc.
• Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing,
• product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and
• collections.
• Create predictive early detection credit deterioration capabilities using internal and external
• performance data.
• Investigate, create, implement and validate various risk and financial forecasts using complex data
• including cohort and time series analysis of loan balances, revenue performance, net income
• performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.
• Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build
• relationships, set goals and track operations performance, providing an actionable feedback loop as
• it relates to portfolio performance across key Family Capital Funding metrics.
• Ensure sound credit control by taking a pro-active approach to risk management within the risk
• guidelines of Family Capital Funding.
• Demonstrate governance, control and risk management behaviours in alignment with Family Capital
• Funding policies and practices. Document all new processes per Enterprise policy
• Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities
• to identify and maintain good business opportunities with new and existing clients.
• Perform detailed analysis and interpret information to make recommendations to Senior
• Management on critical strategies including non-standard and ad-hoc requests as determined bymanagement.
• Ensure the timely and effective communication of forecasting results & variance drivers; anticipating
• potential needs in an effort to establish and maintain good working relationships with key business
• stakeholders.

Qualifications and Experience:

Qualifications and Experience:
Required:Undergraduate degree in Economics, Engineering, or Mathematics2 + years of relevant experience in a Business Analytics, Finance, Strategy, or Product functional areaExcellent business judgment and risk assessment as demonstrated by previous work or academicexperience in an analytic role related to economic or business analysisAbility to structure and breakdown open ended business problems and challenges into detailedexecutable analytical frameworksStrong Analytical and Problem-Solving Skills as demonstrated by previous experience in developingcreative solutions to business strategy, technological, and operational problems Strong data understanding & data manipulation skills to help identify, track and solve for businessoutcomesExcellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely withlarge data sets and get into the details with business processesPreferred:• Master’s degree in Economics, Engineering, Mathematics or business administration• 3+ years of relevant experience in a banking, financial services or any other credit / lending domain