Senior credit risk analyst (unsecured credit)
Responsibilities
Credit Risk Assessment
- Analyze credit data and financial statements to evaluate individual creditworthiness and predict delinquencies.
- Conduct deep data analysis to identify trends, correlations, and predictors relevant to risk assessment and collections optimization.
Risk Modeling and Forecasting
- Develop segmentation models and predictive analytics for assessing delinquency or default risks in different customer segments.
- Establish probability scoring systems and classification models for prioritizing accounts and customizing collection strategies.
Strategy Development and Implementation
- Provide data-driven insights and recommendations to refine collections strategies, enhance efficiency, and minimize delinquencies.
- Work with cross-functional teams to apply and evaluate strategies derived from data analysis.
- Track the effectiveness of strategies, monitor key metrics, and analyze portfolio performance.
- Create comprehensive reports, dashboards, and visualizations to convey insights and recommendations to stakeholders.
Regulatory Compliance and Best Practices
- Maintain compliance with regulatory standards and best practices in collections and risk management.
- Stay abreast of industry trends, regulations, and new technologies in risk assessment and collections strategies.
Continuous Improvement
- Seek process enhancement opportunities, refine models, and implement best practices in collection risk assessment.
Ideal Candidate
- 5-7 years of experience in credit risk analysis/strategy within NBFCs/Fintechs, preferably in unsecured credit.
- Strong analytical capabilities, expertise in statistical analysis, risk modeling, and proficiency in data querying tools (SQL, etc.) and statistical software (R, Python, etc.).
- In-depth knowledge of credit risk metrics, financial statements, and regulatory compliance frameworks.
- Excellent communication skills, capable of presenting complex data clearly and concisely.
- Bachelor’s degree in Finance, Economics, Mathematics, or a related field. An advanced degree (Masters, MBA) is an advantage.
About DPDzero
DPDzero builds the AI-first collections platform that lets lenders grow confidently while we take care of delinquency. We combine smart automation, a multilingual conversational voice agent, and disciplined field & telecalling execution to turn a difficult part of the lending lifecycle into measurable business impact. Our platform ties decisioning, outreach orchestration, and human-in-the-loop workflows into auditable, compliance-ready pipelines so partners can integrate us like core infrastructure.
We’re product-led and ops-backed: what you build here ships, scales, and changes real KPIs. That work isn’t just for engineers — account managers, operations specialists, compliance leads, and HR professionals all play a hands-on role in making experiments actionable and outcomes repeatable. At DPDzero you’ll collaborate across product, ML, and field teams to measure and improve things that matter (recovery rate, contact yield, compliance signals), not just ship features.
We’re backed by experienced investors and led by operators who have built India-scale fintech rails, so expect a high-ownership environment where impact is measured and rewarded. If you want a role where your day-to-day work directly moves company and partner outcomes — whether in product, sales, ops, or people — come help us expand credit access responsibly and at scale.