Risk Analytics Manager

Risk Manager – Model Development & Strategy 

Ninjacart - 

Pioneer. Challenge Yourself. Create Better Lives.

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Location: Bangalore, KA, IN

Responsibilities

• Ideate, Build, validate, document, implement and rebuild:
• Credit risk models (retail loan origination models, business customer rating models, and loan behaviour scorecards)
• Collective Provision and Expected Loss methodologies. This includes all inputs of Probability of Default, Loss Given Default and Exposure at Default (methodology).
• Fraud Pattern identification and Fraud Risk Detection models.
• Conduct detailed analytical work with a high level of accuracy in order to deliver high level results to senior management, and contribute to the management and education of enhanced credit risk approaches.
• Develop ongoing improvements to the model methodology and monitoring..
• Responsible for managing issues through to resolution
• Define and specify key data requirements to support modelling approaches.
• Document model “technical manual”, modelling choices made, and model methodology considerations.
• Engage with operational risk advisory, quantitative analyst, data engineering, reporting and risk specialist stakeholders.
• Assist in the development of other data scientists and analysts in the team.

Who will you work with?

Work with Business Leaders across to ensure:

• Proactive engagement with stakeholders to understand business context, add value, propose solutions, project manage pieces of work through to completion. 
• Balance prioritisation effectively between a wide stakeholder group. Ensure time spent matches the importance of the work and manage situations / competing priorities so that the most beneficial program of work is achieved.

Working with the Risk leadership to ensure:

• Models are effectively embedded into operational activities 
• The program of work for the department is documented and resourcing or delivery issues are well managed. 
• Prepare and review analysis papers and ensure that high quality analytical papers are written and delivered to appropriate senior management and committees. Present these papers in an effective manner appropriate to the audience. 
• Identifying inefficiencies and proposing operational process improvements to enable better outcomes. 
• Add value to deliverables with excellent problem solving, idea generation and strategic thinking. 
• Ensure there is clarity and structure in the work conducted between the modelling team and operational areas. With complex work items, clarity is key to minimizing re-work and ensuring accuracy.

How will you progress in your career?
We, at Ninjacart, take our employees career progression very seriously. Career progression is a function of performance, and interests. Your manager will have on-going feedback about your performance, and give clarity on what outcomes you have to drive, skills you need to acquire, or behaviours you need to demonstrate for career movement.
Career movement within the team can be both linear as well as zig-zag, and is usually personalized to the individuals’ strengths & interests. Starting with risk models, you can progress to managing challenges and be a subject matter expert in customer analytics, product analytics, AI (LLM and NLP), business analytics.
As a fast growing start-up, we also facilitate internal job movements for long term employees, and people who have demonstrated adequate skills for such jobs.
Illustrative alternate growth paths from the analytics org @ Ninjacart
Analytics — You start here.
Policy and Strategy — Pick up skills on Policy and Strategy and drive cross functional projects.
Product Management — Pick up skills and drive product innovation.
Category Management — Pick up skills and manage business outcomes.
Business Management & Strategy — Drive transformation projects that change the course of business.
In-house Entrepreneur — Own, and independently run a segment of the business.
Build your own path.A Ninja is resilient, smart, and ambitious. Sounds like you? Here’s what you will need to have to join the Ninja Clan

• Full-time degree from an accredited college/university in business related or technology related field.
• 3+ years of Data science / ML experience with experience in model development and solution implementation for Risk in Bank, NBFCs, Fintechs, consulting et. al.
• Expertise in modelling with strong background in Python.
• Ability to collaborate and manage more than one project at a time.
• Ability to develop a high performance analytics team, set goals, monitor performance, and give on-going feedback.
• Ability to drive outcomes & impact for the organization.
• Track record of strong problem-solving, requirement gathering and recommending solutions.

Additional Information

At Ninjacart, we are creating a workplace that enables everyone to find their true potential, purpose, and passion irrespective of their background, gender, race, sexual orientation, religion and ethnicity. We are committed to providing equal opportunity for all and believe that diversity in the workplace creates a more vibrant, richer work environment that advances the goals of our employees, communities and the business. Check out what Life at Ninjacart looks like! 

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