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Credit Risk Analyst

Hiring for one of our Shariah Aligned buy now pay later fintech company based out of Lahore. The main idea behind it is to give consumers, especially the unbanked and underbanked population, to pay later while shopping online, through the option of paying in 3 equal monthly installments. All this with 0% interest and no additional costs or charges. With a mission to play a vital role in financial inclusion by fashioning an effortless payment and shopping experience, we want to revolutionize how customers pay for their online purchases in Pakistan.

Role

you will play a crucial role in assessing and managing credit risk across our lending portfolio. You will be responsible for analyzing creditworthiness, evaluating loan applications, and developing risk models to optimize our lending strategies. This role offers an exciting opportunity to work at the intersection of finance, technology, and data analytics in a dynamic startup environment.

Key Responsibilities:

Conduct comprehensive credit assessments to determine the creditworthiness of loan applicants.
Analyze financial statements, credit reports, and other relevant data to assess borrower risk profiles.
Monitor and evaluate portfolio performance, identifying emerging risks and opportunities for optimization.
Collaborate with cross-functional teams, including product, engineering, and compliance, to implement risk management initiatives.
Stay informed about industry trends, regulatory developments, and best practices in credit risk management.

Qualifications:

Bachelor's degree is a must
Proven experience of at least 2 to 3 years in credit risk analysis, preferably in the fintech or banking sector.
Strong analytical skills
Familiarity with credit risk management tools and software.
Excellent communication and collaboration skills.
Ability to thrive in a fast-paced, startup environment with a high degree of autonomy and accountability.