Senior Risk Analyst – Android Lending

This is a fully remote position, open to applicants in India, +2 more states.

📋 Description

• Take ownership of the comprehensive performance, financial metrics, roadmap, forecasting, scorecard, and operational rhythm of a designated Android lending workstream.

• Oversee approval processes, disbursement activities, exposure management, revenue generation, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer value, and recoverability indicators.

• Detect significant risks, economic leaks, and opportunities for profitable growth; assess impact, dependencies, implementation requirements, and potential downsides.

• Develop and enhance elements of credit strategy such as eligibility criteria, PD cut-offs, offers, exposure limits, pricing structures, tenures, affordability assessments, Top-Up options, Consolidation strategies, lifecycle planning, policy overlays, routing, and graduation logic.

• Perform cohort, vintage, funnel, and segment analyses, and design controlled experiments with valid controls, maturity timelines, and rollback protocols.

• Convert recommendations into decision-engine protocols, parameters, analytical coding, SQL, and implementation specifications.

• Establish replay, back-testing, validation, testing, staged rollout, monitoring, and rollback strategies.

• Supervise released strategies, implement corrective measures, maintain documentation, manage policy versioning, and ensure decision traceability.

• Create analytical and implementation briefs, identify owners and milestones, manage interdependencies, and escalate any blockers or decisions beyond authority.

• Collaborate with leadership from Android portfolios, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations, and Customer Service.

• Review peer analyses, mentor analysts, document essential knowledge, represent the workstream in senior forums, and act on behalf of designated portfolio or risk leads.

⛳️ Requirements

• Own the complete performance, economics, planning, forecasting, and corrective measures for the Android lending workstream.

• Manage approval processes, disbursal activities, exposure metrics, revenue generation, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer value, and recoverability indicators.

• Design and enhance credit strategies that cover eligibility criteria, PD cut-offs and calibration, offers, exposure limits, pricing, tenure, DTI, affordability assessments, income-source treatment, Top-Up options, Consolidation strategies, lifecycle planning, policy overlays, routing, and graduation logic.

• Conduct thorough cohort, vintage, funnel, and segment analyses.

• Design controlled experiments with valid controls, maturity timelines, and rollback protocols.

• Provide recommendations on scaling, holding, iterating, or ceasing activities.

• Translate recommendations into decision-engine rules, parameters, SQL, analytical coding, and decision logic.

• Define requirements for replay, back-testing, validation, testing, staged rollout, monitoring, and rollback processes.

• Review implementation logic to identify any unintended interactions between policies or models.

• Maintain comprehensive documentation, manage policy versioning, and ensure decision traceability.

• Work collaboratively across functions with portfolio leadership, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations, and Customer Service.

• Operate within established risk appetite, budgets, and delegated authority.

• Review peer analyses, mentor analysts, document critical knowledge of policies/models/decision-engine, and act on behalf of senior risk or portfolio leads.

🏝️ Benefits

• 25 days of paid vacation, Sick & Public Holidays for B2B contractors.

• Remote work with substantial timezone overlap with CET.

• Training & Development budget.

• Paid business trips for company activities.