Associate Risk Analyst Job Details | PayU Payments

QUALIFICATIONS & EXPERIENCE

Education: Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, Engineering, or a related quantitative discipline. CA, FRM, or CFA qualification is an advantage. Experience: 1–4 years of relevant experience in credit risk analytics, portfolio monitoring, lending analytics, risk reporting, or a related analytical role. Experience in a bank, NBFC, fintech lending institution, or other financial services organisation is preferred. Hands-on experience working on analytical projects and managing end-to-end delivery with business and risk stakeholders. Technical Skills: Strong proficiency in SQL and advanced Excel for data analysis, reconciliations, and structured reporting. Working proficiency in Python for analysis, automation, and exploratory modelling. Familiarity with Power BI, Tableau, or other business intelligence and dashboard tools. Ability to automate recurring portfolio monitoring, data-quality checks, and management reporting processes. Domain Knowledge: Understanding of retail and small-business lending portfolios, including Personal Loans, SMB Loans, and Transaction Credit. Knowledge of credit lifecycle and portfolio risk metrics such as origination, delinquency, roll rates, vintage performance, losses, and concentrations. Familiarity with credit-risk governance concepts, including risk appetite, risk guardrails, early-warning indicators, and escalation practices. Exposure to credit bureau data, collections risk, or digital lending portfolios is preferred. Soft Skills: Strong analytical, problem-solving, and attention-to-detail skills, with a disciplined approach to data and deliverables. Clear written and verbal communication, with the ability to present complex quantitative findings in a concise and practical manner. Collaborative stakeholder management skills and confidence working with Risk Policy, Collections, Business, Finance, Data, and Technology teams. Ownership, prioritisation, curiosity, and the ability to work effectively in a fast-paced environment. WHY JOIN PAYU FINANCE? High-impact portfolio risk role with visibility to senior leadership and cross-functional stakeholders. Opportunity to work across Personal Loans, SMB Loans, and Transaction Credit in a fast-growing fintech. Combination of hands-on analytical work, leadership reporting, risk governance, and strategic projects. Opportunity to strengthen portfolio monitoring, risk guardrails, and dashboards through automation and advanced analytics. Part of a global fintech group operating across 50+ markets. Culture of innovation, data-driven decision-making, and continuous learning. Competitive compensation, performance bonuses, and comprehensive benefits. Collaborative, inclusive, and intellectually stimulating work environment. Apply now » Find similar jobs: . Copyright 2025 PayU. All rights reserved / Privacy / Terms of use × Cookie Consent Manager When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. Because we respect your right to privacy, you can choose not to allow some types of cookies. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. Required Cookies These cookies are required to use this website and can't be turned off. Required Cookies Show More Details Required Cookies Provider

Description

Enabled SAP as service provider We use the following session cookies, which are all required to enable the website to function: "route" is used for session stickiness "careerSiteCompanyId" is used to send the request to the correct data centre "JSESSIONID" is placed on the visitor's device during the session so the server can identify the visitor "Load balancer cookie" (actual cookie name may vary) prevents a visitor from bouncing from one instance to another Cookies from provider SAPasserviceprovider are required and cannot be turned off Confirm My Choices Reject Al