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Credit Analyst, NIRA

TiltHybrid - Bengaluru, India
Hybrid FullTime

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Qualifications

4+ years of experience in credit risk analysis, data analytics, or unsecured lending (experience in India preferred); strong SQL skills (required), familiarity with Python and Excel; expertise in credit policies and portfolio monitoring; excellent analytical, communication, and problem-solving abilities; ability to work in fast-paced, collaborative settings; Bachelor's degree in a relevant field.

About the job

Become Part of the Tilt Family

At Tilt, we illuminate the financial potential that traditional lenders often overlook. Our innovative mobile-first solutions, powered by advanced machine learning credit models, delve beyond mere credit scores, integrating over 250 real-time financial signals to unveil true potential. Recognized among the next billion-dollar startups, we are not just revolutionizing access to financial products; we are crafting a modern credit ecosystem that empowers individuals in their diverse financial journeys.

Your Role: Credit Analyst, NIRA

We are on the lookout for a skilled Credit Analyst to bolster the growth and risk management of Tilt's lending arm in India, NIRA Finance. This position is pivotal in shaping our credit policies, analyzing portfolio performance, and collaborating with data science and technology teams to facilitate scalable, data-informed lending decisions.

This role is high-impact, offering significant ownership, visibility, and the chance to profoundly influence credit decision-making processes within a rapidly expanding fintech landscape.

Your Impact

  • Craft and enhance credit policies that align with our business growth and risk management objectives.

  • Conduct in-depth portfolio performance analysis and derive actionable insights from data.

  • Collaborate with Data Science, Technology, and Product teams to translate insights into effective execution strategies.

  • Oversee risk metrics and evaluate performance against industry benchmarks.

  • Engage with NIRA leadership and external lending partners to promote responsible lending practices.

  • Disseminate learnings and best practices with global credit and data teams to foster continuous improvement.

Qualifications for Success

  • A minimum of 4 years of experience in credit risk analysis, data analytics, or unsecured lending, with a preference for candidates familiar with the Indian market.

  • Proficient in SQL (required), with additional skills in Python and Excel being advantageous.

  • Experience in developing credit policies, risk frameworks, and portfolio monitoring strategies.

  • Exceptional analytical and problem-solving capabilities, coupled with strong communication skills.

  • Adept at thriving in dynamic, collaborative environments.

  • Bachelor’s degree in a relevant discipline.

Our Recruitment Process

  1. Initial screening with HR.
  2. Technical interview focusing on analytics and credit policy.
  3. Final interview with leadership.

About Tilt

Tilt is redefining the financial landscape by focusing on the potential of individuals rather than traditional credit metrics. Our mobile-first, machine learning-driven approach enables us to delve deeper into financial behaviors, providing innovative solutions that empower users. As a recognized leader in fintech innovation, Tilt is committed to fostering a new era of responsible lending.

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