{"id":4324821,"url":"https://alion.io/job/square-capital-credit-risk-analyst","title":"Credit Risk Analyst","company":{"id":4544270,"name":"Square Capital","domain":"squarecapital.co.in","url":"https://alion.io/company/square-capital","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":["Bengaluru, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-11-14T23:35:00Z","employer_posted_date":null,"last_verified_at":"2026-11-14T23:35:00Z","board_verified":false,"closed_at":null,"days_open":0,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":0},"description":"The candidate will have responsibilities across the following functions:\n\nLending strategy: \nDesign the logic that decides which lenders a user sees and in what order, balancing approval likelihood, offer quality and lender economics.\nDefine eligibility and figure out invisible rejection signals for various lenders.\n\nScoring and ML models: \nBuild user quality scores and approval-probability models from bureau, SMS and bank statement features, and put them into production decisions.\n\nLender MIS and performance: \nReconcile lender reports with our own data, track approval, rejection and disbursal by lender, and turn that into actions on policy and lender mix.\n\nFunnel and conversion: \nMeasure conversion at every stage from intent to disbursal, across lenders and user segments.\nDiagnose where and why users drop off, and drive fixes with product and lender teams.\n\nRequirements: \n1 to 4 years as a Risk Analyst, Credit Risk Analyst or Business Analyst in consumer lending: an NBFC, bank, fintech lender or lending marketplace / DSA.\nTier-1 college preferred.\nStrong hands-on SQL and Python for analysis and light automation.\nHands-on with credit bureau data (CIBIL / Experian / Equifax): tradelines, enquiries, scores, and how to build features from them. \nUnderstanding of the unsecured lending funnel and credit mechanics: policy and BRE rules, pre-approved programs, KYC and disbursal, and what drives approval and rejection at a lender.\nOwnership mindset: You can take a broad problem, define the metric, pull the data, and land a recommendation without waiting to be told each step.\n\nGood to have: \nBuilt or maintained Risk scorecards, logistic or tree-based models, or user segmentation for credit decisions.\nExperience working with SMS, transaction or bank statement data.\nPrior experience working in fast-paced, tech-driven environments with a focus on financial services.\nSkills\nCredit, Lending, Python, Risk, SQL, Scorecards, 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