Manager - Risk Analytics - User Lending

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