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Senior Risk Analyst at Comviva — Gurgaon

Experience1–2 yrs
SalaryNot disclosed
Work modeonsite
Leveljunior
Posted14 Sept 2026

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About Comviva

Comviva is hiring in Gurgaon in technology software. This role looks for around 1+ years of experience.

Skills

credit risk management
credit policies
scorecards
data-driven strategy
SQL
Python
PySpark SQL
Hadoop
Apache Spark
machine learning

The role

A credit risk analyst at a financial inclusion platform develops credit policies and portfolio strategies using credit risk management, SQL, and machine learning, and optimizes underwriting, customer eligibility, collections, and lending performance.

Full job description

The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

This role will be accountable for the driving the credit policy decisions across the customer life cycle as well as drive the Lending Portfolio P&L KPIs both from ensuring acceptable risk performance as well as driving top line revenue targets by finding expansion opportunities across partner customer segments (banks and telcos).

What We Look For

Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity. Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements. Stakeholder Management: Should have a track record of working with partners across functions internally as well as externally to build effective relationships and drive business deliverables. Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

Job Responsibilities

Portfolio Strategy & Credit Policy

Develop credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle using telecom, wallet, bureau data, mobile appDevelop and optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (Mobile App, SMS, USSD, OBD)Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offersBuilding framework for measuring periodic performance of existing strategies

Portfolio Monitoring & Governance

Develop portfolio tracking metrics and design reports leveraging existing tech teamMonitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.Coordination with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team

Required Qualifications & Skills

Knowledge of scorecards, credit policies and risk management in an unsecured contextHands on experience as a data driven strategy/policy analyst for more than 1 yearGood analytical thought process and aptitude for problem solving ; Hands on experience using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) preferredPassion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms[i]Strong entrepreneurial drivePremier educational background strongly preferred (technical, engineering discipline)