Paytm is hiring Credit Risk Analyst for its India operations. This opportunity is suitable for candidates with a Bachelor’s Degree who want to build a career in credit risk analytics, financial risk management, and fintech data analysis. Candidates with 0–3 years of experience can apply for this role.
Paytm is one of India’s leading fintech companies offering services such as digital payments, lending, financial services, and merchant solutions. The company uses advanced analytics and technology to manage financial risk, improve lending decisions, and support digital financial products used by millions of customers.
Job Overview
- Company: Paytm
- Position: Credit Risk Analyst
- Location: India
- Qualification: Bachelor’s Degree
- Experience: 0 – 3 Years
- Job Type: Full-Time
- Industry: Fintech / Financial Services
This role focuses on credit risk analysis, data evaluation, and financial decision support for Paytm’s lending and financial products.
About the Role
The Credit Risk Analyst role focuses on analyzing financial and behavioral data to evaluate the creditworthiness of customers and businesses using Paytm’s financial services. Analysts help design and monitor credit risk models that support responsible lending decisions.
Professionals in this role work closely with data teams, product teams, and risk management departments to analyze large datasets and identify patterns that indicate credit risk. The role also involves monitoring loan performance, identifying potential risks, and improving credit policies using data insights.
This position is important for ensuring that Paytm’s lending products maintain strong risk controls while continuing to support customer growth.
Role Overview
Credit Risk Analysts evaluate financial information and behavioral patterns to assess whether a customer or business qualifies for lending products. They use data analytics techniques to study repayment patterns, detect potential fraud risks, and improve credit decision models.
The role also includes monitoring the performance of existing loans and identifying trends that could affect portfolio risk. Analysts prepare reports and insights that help management teams make informed financial decisions.
Working in this role provides valuable exposure to risk analytics, fintech systems, and digital lending platforms.
Key Responsibilities
- Analyze financial and behavioral data to evaluate credit risk.
- Support development and monitoring of credit risk models.
- Evaluate customer creditworthiness for lending products.
- Monitor loan portfolio performance and identify risk patterns.
- Prepare risk analysis reports for internal stakeholders.
- Collaborate with product and analytics teams to improve credit strategies.
- Detect potential fraud or risk indicators in financial data.
- Support development of data-driven credit policies.
Required Skills
Candidates applying for this role should have analytical and financial analysis abilities.
- Strong analytical and problem-solving skills
- Knowledge of financial analysis and risk management concepts
- Familiarity with data analysis tools such as Excel, SQL, or Python
- Understanding of credit risk and lending processes
- Ability to analyze large datasets and generate insights
- Strong communication and teamwork skills
These skills help analysts evaluate financial risk effectively in fintech environments.
Eligibility Criteria
Candidates interested in applying should meet the following requirements:
- Bachelor’s Degree in Finance, Economics, Business, Mathematics, Statistics, or related field
- Candidates with 0–3 years of experience may apply
- Strong analytical and quantitative abilities
- Interest in fintech, financial risk, and data analytics
Candidates with knowledge of data analytics or financial modeling may have an advantage.
Career Growth Opportunities
Starting as a Credit Risk Analyst at Paytm can lead to several career paths in fintech and financial analytics.
Possible career progression includes:
- Senior Credit Risk Analyst
- Risk Analytics Manager
- Financial Data Analyst
- Fraud Risk Analyst
- Product Risk Manager
Professionals working in risk analytics gain strong experience in financial modeling, credit scoring systems, and fintech risk management.
Why Join Paytm
- Opportunity to work with one of India’s leading fintech companies
- Exposure to digital lending platforms and risk analytics systems
- Work with data-driven financial products used by millions of users
- Collaborative environment with analytics and product teams
- Strong career opportunities in fintech and financial risk management
Paytm’s fintech ecosystem provides employees with experience in modern financial technologies, digital payments, and lending analytics.
How to Apply
Follow these steps to apply for the Paytm Credit Risk Analyst role:
- Visit the official Paytm careers page using the link below.
- Review the job description and eligibility criteria carefully.
- Click the Apply Now button on the job page.
- Create or log in to your candidate profile.
- Fill in your personal details and educational background.
- Upload your updated resume and required documents.
- Submit your application and wait for communication from the recruitment team.
This role is a strong opportunity for candidates interested in credit risk analytics, financial data analysis, and fintech lending systems, offering valuable experience working with Paytm’s digital financial platforms
