So… why is it free?

Employers pay when they hire through Elip. You're not the product — you're the talent it finds. No contracts, no card. Not useful? One message wipes everything. No hidden Pro tier. No “contact sales.” This is the entire pricing page.

Senior Risk Analyst at Comviva — Gurgaon

Experience5–8 yrs
SalaryNot disclosed
Work modeonsite
Posted1 Oct 2026

Apply for this job

About Comviva

Comviva is hiring in Gurgaon in technology software. This role looks for around 5+ years of experience.

Skills

Credit Risk Management
credit scorecards
underwriting
SQL
Python
PySpark
machine learning
credit strategy
credit policy
portfolio monitoring

The role

A credit risk analyst at a digital lending technology company develops Credit Risk Management, credit scorecards, and underwriting strategies, using SQL, Python, and PySpark to optimize unsecured lending portfolios. Portfolio monitoring, machine learning, and cross-functional risk governance support customer eligibility, exposure decisions, collections, and repayment outcomes.

Full job description

Key Responsibilities

Portfolio Strategy & Credit Policy

Develop and implement credit strategies aligned with GTM goals, including customer eligibility, loan limits, and exposure decisions across the lifecycle Leverage telecom, wallet, bureau, and mobile app data to optimize underwriting and customer segmentation Design and enhance customer journeys and engagement strategies to improve usage, credit awareness, and repayment behavior across digital channels (App, SMS, USSD, OBD) Collaborate with external collection agencies and optimize collection strategies, including direct debit rules and delinquency management Identify growth opportunities within partner customer segments to drive top-line revenue Build frameworks to measure and evaluate the effectiveness of credit strategies and portfolio performance

Portfolio Monitoring & Governance

Develop portfolio tracking metrics and dashboards in collaboration with the tech team Monitor key portfolio indicators including PDD (Post Disbursement Documents) MIS and ensure pendency is within acceptable limits Coordinate with partner teams to manage due/overdue PDD processes effectively Drive cross-functional collaboration with data science, product, and operations teams to maintain portfolio health Propose and implement continuous improvements in risk, compliance, and operational efficiency

Key Skills Required

Technical & Analytical Skills

Strong understanding of credit risk management, scorecards, and underwriting in unsecured lending Hands-on experience with data-driven credit strategy and policy implementation Proficiency in SQL, Python, and PySpark (Big Data environment such as Hadoop/Spark preferred) Familiarity with machine learning algorithms and their application in credit decisioning

Business & Strategic Skills

Strong analytical thinking and problem-solving ability Ability to balance risk management with business growth objectives Experience in developing and optimizing credit strategies across the customer lifecycle Data-driven mindset with a focus on continuous improvement and experimentation

Process & Execution

Process-oriented with the ability to design scalable and efficient operating models Strong focus on data collection, monitoring, and performance tracking

Stakeholder Management

Proven experience working with cross-functional teams (product, data science, operations) Ability to manage relationships with external partners such as banks, telecom companies, and collection agencies