{"id":4187763,"url":"https://alion.io/job/indmoney-risk-analyst","title":"Risk Analyst","company":{"id":59405,"name":"INDmoney","domain":"indmoney.com","url":"https://alion.io/company/indmoney","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":null,"truth_index":null},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Gurgaon, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":1,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"Power BI","optional":true},{"name":"Tableau","optional":true}],"status":"live","first_seen_at":"2026-11-12T18:35:10Z","employer_posted_date":null,"last_verified_at":"2026-11-12T18:35:10Z","board_verified":false,"closed_at":null,"days_open":0,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":0},"description":"You will be part of the core Risk team, contributing to underwriting strategy, portfolio analytics, and credit policy for retail lending products (Personal Loans / LAMF). This role is suited for someone who combines strong data skills with a solid grasp of lending fundamentals and can translate analysis into actionable risk decisions.\n\nWhat You'll Do:\nContribute to the design and refinement of underwriting rules and credit policies for Personal Loans and LAMF\nEvaluate creditworthiness using bureau data and alternate data sources\nBalance approval rates against risk thresholds and business objectives\nTrack and report on key portfolio metrics: disbursals, approval rates, delinquency, collection roll rates, DPD buckets, and NPAs\nPerform vintage and cohort analyses to detect early risk signals and portfolio trends\nTranslate data findings into actionable policy recommendations\nSupport initiatives around limit management - identifying candidates for limit increases or decreases based on behavioral and risk signals\nAssist in building frameworks for proactive portfolio interventions\nWrite SQL/Python queries to extract, manipulate, and analyze large datasets\nProvide data support for analysis and ad-hoc investigations\nBuild and maintain reports and monitoring dashboards\n\nWhat We're Looking For:\n1-4 years of experience in credit risk, underwriting, or lending analytics\nHands-on experience with SQL and Python for data querying, manipulation, and analysis\nPrior exposure to unsecured retail lending products - Personal Loans and/or Credit Cards\nDemonstrated contribution to at least one of: underwriting strategy, portfolio analytics, or portfolio actions (limit management)\nSolid understanding of bureau data (CIBIL / Experian) and core risk metrics - DPD, roll rates, vintage curves, PD\n\nGood to Have:\nExperience with scorecard development or risk model building\nFamiliarity with fintech or digital lending platforms\nExposure to BI tools (Tableau / Power BI)\nUnderstanding of collections strategies and early warning frameworks\n\nWhy This Role:\nThis is a high-ownership role sitting at the intersection of data, credit, and product. You'll work closely with Data Science, Product, and Business teams - with direct visibility into how risk decisions shape customer outcomes and business performance.\nSkills\nCredit Risk, Python, SQL, Underwriting","description_format":"text","description_chars":2355,"description_truncated":false,"requirements":{"experience_years_min":1,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Asset Management & Funds","Investing Apps & Robo-Advisors"],"lifecycle":[{"event":"open","at":"2026-11-12T18:35:10Z"}],"visa":[],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.86,"p_room":1,"age_days":0,"expected_fill_days":23,"reasons":["seen:0","win:early","comp:junior"],"computed_at":"2026-11-12T20:53:02Z"},"pay":null,"html_url":"https://alion.io/job/indmoney-risk-analyst","json_url":"https://alion.io/job/indmoney-risk-analyst.json","meta":{"generated_at":"2026-11-12T20:53:02Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":44142,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-13T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":59405},"rest":"https://alion.io/mcp/rest/get_company?id=59405"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Findmoney-risk-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Findmoney-risk-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Findmoney-risk-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/indmoney-risk-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Findmoney-risk-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":4187763}},{"tool":"search_jobs","arguments":{"company":"indmoney.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":4187763},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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