Senior Lead - SME Risk

Credit Saison India
Greater Bengaluru Area

Role - Senior Manager / Chief Manager - SME Risk

About Credit Saison India

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees.Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Roles & Responsibilities

  • Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well.
  • Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.)
  • Identify trends by performing necessary analytics at various cuts for the Portfolio
  • Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio
  • Work with Product team and engineering team to help implements the Risk strategies
  • Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models
  • Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting
  • Should have good understanding about various unsecured credit products
  • Should be able to understand the business problems and helps convert them into the analytical solutions

Required Skills & Qualifications

  • Bachelor's degree in Computer Science, Engineering or related field from top tier

(IIT/IIIT/NIT/BITS)

  • 6 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights
  • Proficiency in SQL and other analytical tools/scripting languages such as Python or R
  • Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions
  • Proficiency with statistical and data mining techniques
  • Proficiency with machine learning techniques such as decision tree learning etc.
  • Should have an experience working with both structured and unstructured data
  • Fintech or Retail/ SME/LAP/Secured lending experience is preferred

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Questions about this job

How do I apply for the Senior Lead - SME Risk job at Credit Saison India?

Use the apply link on this page: you apply directly with Credit Saison India 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 Credit Saison India want for this Senior Lead - SME Risk role?

The job description asks for Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS), 6 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights, Proficiency in SQL and other analytical tools/scripting languages such as Python or R, Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions, Proficiency with statistical and data mining techniques, Proficiency with machine learning techniques such as decision tree learning etc. and Should have an experience working with both structured and unstructured 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 Credit Saison India?

Apply to the Credit Saison India roles that match your experience, and tailor your resume to each job description: for this role that means showing Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS), 6 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights, Proficiency in SQL and other analytical tools/scripting languages such as Python or R. 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 Senior Lead - SME Risk job remote or onsite?

This is based in Greater Bengaluru Area.

Is it free to apply? Does Fitboard charge anything?

Applying is free: you apply directly with Credit Saison India, 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.

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