Risk Analyst

INDmoney
Gurugram, Haryana, India

Role Overview

You will be part of the core Risk team, contributing to underwriting strategy, portfolio analytics, and credit policy for retail lending products (Personal Loans / LAMF). This role is suited for someone who combines strong data skills with a solid grasp of lending fundamentals and can translate analysis into actionable risk decisions.

What You'll Do

Underwriting Strategy

  • Contribute to the design and refinement of underwriting rules and credit policies for Personal Loans and LAMF
  • Evaluate creditworthiness using bureau data and alternate data sources
  • Balance approval rates against risk thresholds and business objectivesPortfolio Analytics & Monitoring
  • Track and report on key portfolio metrics: disbursals, approval rates, delinquency, collection roll rates, DPD buckets, and NPAs
  • Perform vintage and cohort analyses to detect early risk signals and portfolio trends
  • Translate data findings into actionable policy recommendationsPortfolio Actions
  • Support initiatives around limit management — identifying candidates for limit increases or decreases based on behavioral and risk signals
  • Assist in building frameworks for proactive portfolio interventionsData & Decisioning
  • Write SQL/Python queries to extract, manipulate, and analyze large datasets
  • Provide data support for analysis and ad-hoc investigations
  • Build and maintain reports and monitoring dashboards

What We're Looking For

Must-Have

  • 1–4 years of experience in credit risk, underwriting, or lending analytics
  • Hands-on experience with SQL and Python for data querying, manipulation, and analysis
  • Prior exposure to unsecured retail lending products — Personal Loans and/or Credit Cards
  • Demonstrated contribution to at least one of: underwriting strategy, portfolio analytics, or portfolio actions (limit management)
  • Solid understanding of bureau data (CIBIL / Experian) and core risk metrics — DPD, roll rates, vintage curves, PDGood to Have
  • Experience with scorecard development or risk model building
  • Familiarity with fintech or digital lending platforms
  • Exposure to BI tools (Tableau / Power BI)
  • Understanding of collections strategies and early warning frameworks

Why This Role

This is a high-ownership role sitting at the intersection of data, credit, and product. You'll work closely with Data Science, Product, and Business teams — with direct visibility into how risk decisions shape customer outcomes and business performance at INDmoney.

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Questions about this job

How do I apply for the Risk Analyst job at INDmoney?

Use the apply link on this page: you apply directly with INDmoney 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 INDmoney want for this Risk Analyst role?

The job description asks for SQL, Python, bureau data, CIBIL, Experian, DPD, roll rates and vintage curves. 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 INDmoney?

Apply to the INDmoney roles that match your experience, and tailor your resume to each job description: for this role that means showing SQL, Python, bureau data. 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 Risk 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 INDmoney, 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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