Risk Analyst | Exp - 1 to 3 Yrs
paytm· Lending
About this role
About Us:
Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology.
About the Team:
The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.
About the Role:
We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks.
Key Responsibilities:
* Analyze credit risk across various products, including merchant and personal loans, postpaid.
* Liaison with the business team to understand the credit risk policies and implement the same on platform.
* Implement the credit risk policies on our proprietary platform.
* Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement.
* Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.
* Conduct testing and scenario analysis to measure policy resilience.
* Monitor key risk indicators (KRIs) and provide actionable insights to management.
* Ensure compliance with regulatory guidelines and internal risk policies.
* Collaborate with product and technology teams to integrate risk- based decision-making into lending processes.
Requirements:
* 1-3 years of experience, preferably in a fintech or banking environment.
* Proficiency in SQL, Python, for data analysis and manipulation.
* Excellent analytical, problem-solving, and communication skills.
* Ability to work in a fast-paced, dynamic environment and collaborate across teams.
* Education qualification: B.Tech- NIT/BITS or any other reputed institutions
Why Join us?
Bragging rights to be behind the largest fintech lending play in India.
A fun, energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career.
Compensation: If you are the right fit, we believe in creating wealth for you
Compensation:
If you are the right fit, we believe in creating wealth for you.
With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!
Frequently Asked Questions
Is the salary disclosed for the Risk Analyst | Exp - 1 to 3 Yrs position at paytm?
The salary for this Risk Analyst | Exp - 1 to 3 Yrs role at paytm is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Risk Analyst | Exp - 1 to 3 Yrs position at paytm located?
This Risk Analyst | Exp - 1 to 3 Yrs role at paytm is based in Bangalore, Karnataka, Gurugram, Haryana, Noida, Uttar Pradesh. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Risk Analyst | Exp - 1 to 3 Yrs role at paytm full-time or part-time?
This is listed as a Full time Employment position. It is posted as a Risk Analyst | Exp - 1 to 3 Yrs role in the Lending department at paytm.
Which team or department does the Risk Analyst | Exp - 1 to 3 Yrs at paytm belong to?
This Risk Analyst | Exp - 1 to 3 Yrs position is part of the Lending department at paytm. See the full job description for more information about the team structure and responsibilities.
How do I apply for the Risk Analyst | Exp - 1 to 3 Yrs position at paytm?
Click the "Apply Now" button on this page. You will be redirected to paytm's official application portal hosted on lever where you can submit your application directly.
When was the Risk Analyst | Exp - 1 to 3 Yrs job at paytm posted?
This Risk Analyst | Exp - 1 to 3 Yrs position at paytm was posted on Sep 1, 2026. Apply as soon as possible — early applications are often reviewed first.
Risk Analyst | Exp - 1 to 3 Yrs
paytm
You'll be redirected to paytm's official application page on Lever.