# Manager - Risk Analytics - User Lending

**Company**: Meesho
**Location**: Bangalore, Karnataka
**Work arrangement**: onsite
**Experience**: senior
**Job type**: Full Time Employee
**Category**: Finance
**Industry**: Finance

**Apply**: https://jobs.lever.co/meesho/1969c4c1-fbcc-455a-850b-092d1d83eb2b?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_ea2ea778-247

## Description

We are looking for a Manager - Risk Analytics - User Lending to join our Financial Services team at Meesho.

About the Role: Meesho FS runs two lines of business: SME Lending and User Lending. User Lending is now our primary focus, offering BNPL and Personal Loans. As a Manager - Risk Analytics - User Lending, you will be responsible for driving the analytics behind risk management for User Lending, creating analytical frameworks, developing high-quality analysis, driving insights and actions, and recommending policy decisions.

Responsibilities:

- Own and drive risk analytics initiatives across digital lending portfolios

- Identify portfolio trends, diagnose emerging risks, and conduct deep-dive RCAs

- Partner closely with Business, Product, Data Science, and other cross-functional teams

- Evaluate existing and proposed credit policies and translate portfolio insights into actionable risk interventions

- Monitor key portfolio metrics and use data to assess the impact of risk policies and strategies

- Perform data mining and analysis using SQL, Hive, Metabase, Python, and other relevant data tools

- Build and implement basic scorecards, analytical frameworks, and risk rules in Business Rules Engines (BRE)

- Apply knowledge of PD, EAD, and LGD models to understand and evaluate Expected Credit Loss (ECL) and portfolio-level credit risk

- Present insights, recommendations, and risk perspectives clearly and compellingly to senior stakeholders

Requirements:

- Relevant experience in Credit Risk, Risk Analytics, Credit Risk Policy, or Decision Science

- Hands-on experience managing or analyzing portfolios in BNPL, Personal Loans, or other unsecured digital lending businesses

- Strong understanding of credit risk metrics and portfolio performance

- Strong RCA, analytical, and critical-thinking skills

- Strong working knowledge of SQL and experience with data-mining tools/systems

- Hands-on experience with Python, including data wrangling, basic scorecard development, and implementing/coding risk rules in BRE

- Ability to work effectively with Business, Product, Data Science, and other cross-functional teams

- Strong written and verbal communication skills

- Experience working in a fast-paced, high-ownership environment with ambiguity

- MBA, Engineering, or Master's degree in Statistics, Data Science, or a related quantitative field

- Demonstrated ability to use AI tools effectively in day-to-day work and problem-solving

## Skills

### Required
- SQL
- Hive
- Metabase
- Python
- Data Mining
- Risk Analytics
- Credit Risk
- Decision Science

### Nice to have
- AI tools
- Machine Learning
- Data Science

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Source: [Apply at jobs.lever.co](https://jobs.lever.co/meesho/1969c4c1-fbcc-455a-850b-092d1d83eb2b?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)