How do I apply for the Credit Analyst job at True Balance?

Use the apply link on this page: you apply directly with True Balance on LinkedIn. Before you do, score your resume against this job description on Fitboard. It shows which skills and keywords the job asks for that your resume doesn't show, so you can fix them first.

What skills does True Balance want for this Credit Analyst role?

The job description asks for SQL, Python, BI tools and credit bureau data. Make sure your resume shows the ones you have, in the words the job uses: applicant tracking systems look for them.

How can I get a job at True Balance?

Apply to the True Balance roles that match your experience, and tailor your resume to each job description: for this role that means showing SQL, Python, BI tools. A resume that matches the job's own keywords is more likely to get past screening. Fitboard scores your resume against this exact job for free.

Is this Credit Analyst job remote or onsite?

This is based in Gurugram, Haryana.

Is it free to apply? Does Fitboard charge anything?

Applying is free: you apply directly with True Balance, and this job page and its apply link cost nothing. Checking your resume against this job is free too, with 3 free scans when you sign in and no credit card needed.

Credit Analyst

True Balance

Gurugram, Haryana, India

About True Balance

Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people.

Job Description:

We are seeking a data-driven, strategic Credit Risk Analyst for risk policy formulation and portfolio health management for our small-ticket personal loan business. In this role, you will be responsible for end-to-end credit risk strategies—balancing prudent risk controls with scalable, sustainable growth. You will design underwriting policies, build early-warning monitoring systems, and take proactive measures to keep delinquencies in check while identifying growth opportunities.

Roles and responsibilities:

1. Credit Policy Formulation & Optimization

Design, implement, and periodically review robust credit policies and underwriting rules for small-ticket personal loans (STPL).
Leverage traditional and non-traditional data (bureau scores, bank statements, device data, alternative metrics) to refine risk segmentation and approval grids.
Conduct regular policy diagnostic tests to identify bottlenecks, improve approval rates, and maintain risk guardrails.2. Portfolio Monitoring & Preemptive Action
Build and maintain early warning systems (EWS) to track portfolio performance across vintage curves, roll rates, bounce rates, and delinquency buckets (DPD).
Perform granular portfolio analysis by sourcing channel, geography, customer segment, ticket size, and partner channels.
Identify emerging credit degradation trends early and execute preemptive policy interventions (e.g., tightening limits, revising eligibility criteria, modifying verification checks).3. Sustainable & Profitable Growth
Collaborate with Product, Growth, and Data Science teams to identify under-penetrated, high-performing borrower segments.
Optimize risk-adjusted pricing frameworks to ensure healthy margins across risk tiers.
Design A/B policy tests to evaluate new underwriting strategies safely before full-scale rollout.

Required Experience:

3-5 yrs experience in similar domain - credit risk in unsecured lending, preferably in fintech/digital lenders

Proficiency in SQL and Python for large-dataset analysis.

Hands-on experience with BI tools (like Tableau).

In-depth understanding of credit bureau data.

Basic knowledge in data science preferred, although not mandatory

Education:

Bachelor’s or Master’s degree in Statistics, Economics, Engineering, Finance, or a related quantitative field.

What we need in the ideal candidate:

Fintech/Digital NBFC Background: 3-5 years in high-volume, high-velocity unsecured personal loans (small-ticket).
Policy Ownership: Proven track record of designing and refining credit policies using both bureau and alternative data (bank statements, digital footprints).
Proactive Risk Management: Strong skills in vintage analysis, FPD, and roll rates—someone who spots early warning signs and adjusts policy before losses happen.
Growth + Risk Balance: Business-minded analyst who knows how to optimize approval rates and risk-adjusted pricing, not just block transactions.
Tech Stack: Hands-on proficiency in SQL and Python with experience in automated credit decision engines.

Score my resume against this job, free →