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ZestMoney , Credit Strategy Analyst

  • 1-4 yrs
  • $ Not Disclosed / YEAR

Job Description

As an Analyst in Credit Strategy and Analytics at ZestMoney, you will apply your strategic and analytical skills to major company challenges. You'll team with best in industry professionals to develop and test risk strategies that ultimately impact the bottom line (revenue growth and risk management) and you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibilities, promote continuous learning, and reward innovation. This role will have accountability across maintaining portfolio quality by overseeing new credit line decisions, account management strategies, and recommendations for cross,sell products.Specific Responsibilities Include, But Are Not Limited To :Strategic: Develop business strategies that will help manage risk and drive growth for ZestMoney in the face of shifting consumer and regulatory demandsCredit Risk: Drive step,change improvements in credit performance by connecting drivers of future consumer credit trends to historical behaviour, and testing hypotheses using rigorous monitoring and analysisExecution: Manage and sequence delivery of business intent, build business requirements and execute strategy while working closely with the Risk Technology teamPartnership: Work closely with colleagues across ZestMoney including: AI, Risk Manual Underwriting Team, Product, Merchant, Growth and others to drive improvement in riskStrategic & analytic orientation: Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic & credit risk managementStrong business judgment: He,she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to businessStrong communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skillsClear results orientation: display an intense focus on achieving both short and long term goals. He,she should be able to drive and execute an agenda in an uncertain and fluid environmentSuccessful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous start,up experience is a plusPreferred Qualifications:, Bachelor's Degree, MBA or Master's degree in Finance, Accounting or Analytics , 1+ years' experience in credit risk management roles (preferably consumer loans) in an Indian bank, NBFC, or e,commerce start,upRequired skills:, Strong analytical mind,set and numeric abilities , Excellent verbal and written communication skills, Strong knowledge of credit risk analysis,underwriting principles, methods, and practices, Experienced in data analysis tools like SQL, Programming language such as Python is must , Ability to approach problems in a quantitative and qualitative manner, attention to details, Strong collaboration skills, and the ability to build rapport with members of other departmentsJob Category , Credit Strategy and AnalyticsLI,ZM3