Credit Risk Analyst

About Us

PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly-owned subsidiary of the globally renowned Prosus group (formerly Naspers group) headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing over $280 million in consumer credit and approximately 20 billion loans by volume, we have established ourselves as a market leader in financial technology innovation. PayU Finance provides consumers and merchants with easy access to affordable short-term/medium-term loans.

About Role:

This pivotal position sits at the intersection of innovation and expansion within our embedded merchant lending division at PayU Finance. As a key contributor, you will be instrumental in our "0 to 1" scaling journey, where your expertise will drive the transformation of how we leverage both alternative and traditional data sources to extend credit to underserved/new market segments. Your impact will be realized through the strategic application of advanced analytics, cutting-edge data science methodologies, and deep domain knowledge.

Role and Responsibilities:

• Develop and implement credit risk management strategies ensuring lending activities are prudent, profitable, and compliant with regulations
• Design credit policies using traditional and alternative data sources to optimize risk-adjusted returns while meeting business objectives
• Partner with senior leadership and partners to establish scalable risk frameworks that support our hyper-growth trajectory
• Establish and refine acquisition and customer management strategies specifically tailored for our merchant lending business
• Collaborate across Business, Data Science, Product, and Technology teams to create customer-centric solutions that enable prudent scaling
• Work directly with C-suite executives to ensure appropriate risk strategies are implemented throughout the organization
• Champion a culture of proactive risk management that supports our mission