Product Analyst - Team Lead (risk) Job in Paytm
Product Analyst - Team Lead (risk)
- Gurgaon, Haryana
- Not Disclosed
- Full-time
Product Analyst - Team Lead (Risk)
Location: Gurugram, Haryana (On-site)
Company: Paytm India s Leading Mobile Payments & Financial Services Platform
About Paytm
Paytm is India s pioneer in mobile payments and financial services distribution, transforming commerce for millions of small businesses. Our mission is to empower half a billion Indians by bringing them into the mainstream economy using innovative technology.
About the Team
The Credit Risk Product Team plays a critical role in lending by developing efficient, scalable, and compliant risk assessment models. The team partners with data scientists, engineers, and business stakeholders to refine underwriting processes through advanced analytics and machine learning optimizing loan performance and minimizing defaults.
Role Overview
We are looking for a detail-oriented Product Analyst to lead credit risk initiatives. In this role, you will implement and optimize credit risk policies while ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance underwriting models and risk decision frameworks.
Key Responsibilities
- Analyze credit risk across multiple credit products, such as credit cards, merchant loans, and personal loans.
- Collaborate with business teams to understand and implement credit risk policies on the platform.
- Monitor and evaluate the performance of risk policies; provide actionable feedback to Product and Policy teams.
- Leverage alternative data sources, machine learning models, and traditional credit assessments to improve risk evaluation.
- Conduct testing, scenario analysis, and policy resilience measurement.
- Track key risk indicators (KRIs) and generate insights for management.
- Ensure compliance with regulatory guidelines and internal risk frameworks.
- Work with product and technology teams to embed risk-based decision-making into lending workflows.
Qualifications
- 1 2 years of relevant experience, preferably in fintech or banking.
- Strong proficiency in SQL and Python for data analysis and manipulation.
- Basic understanding of APIs and streaming platforms like Kafka is a plus.
- Excellent analytical, problem-solving, and communication skills.
- Ability to thrive in a fast-paced, dynamic environment and collaborate cross-functionally.
- Educational background: B.Tech from reputed institutes like NIT, BITS, or equivalent.
Why Join Paytm?
- Be part of India s largest fintech lending ecosystem with 500+ million users and 21+ million merchants.
- Work in a fun, energetic environment designed to help you reach your full career potential.
- Unique opportunity to shape India s largest digital lending story and drive financial inclusion.
Ready to take the lead in credit risk innovation? Apply now and be part of Paytm s journey to democratize credit for millions!
