Paytm Job Recruitment for Graduates in Noida: Credit Risk Analysts
In the ever-evolving global of virtual bills and fintech, Paytm stands as a beacon of innovation, imparting a wide array of financial offerings that have revolutionized the industry. As Paytm continues to enlarge its horizons, they are looking for talented and passionate individuals to join their crew. One such exciting opportunity is the Paytm Job Recruitment for Graduates in Noida, in particular for the placement of Credit Risk Analyst. In this weblog, we can dive into the information of job recruitment, qualifications, responsibilities, and what makes Paytm an attractive location to work for freshers and experienced specialists alike.
- Job Role: Credit Risk Analyst
- Salary: Rs 12-16 Lacs P.A.
- Location: Noida
- Company: Paytm
- Qualification: B.Tech/B.E. in Any Specialization
- Experience: 2 – 5 years
ABOUT PAYTM
Paytm is one of India’s leading virtual monetary platforms, offering a huge range of offerings which include mobile bills, virtual wallets, banking, and e-trade solutions. Founded in 2010, the organization has revolutionized the manner humans transact, permitting convenient, stable, and rapid financial transactions for hundreds of thousands of users across the u. S .. Paytm operates in numerous sectors including payments, loans, insurance, and wealth management, catering to every business. With a focus on technology and innovation, Paytm is dedicated to enhancing financial inclusion and imparting accessible financial services to every Indian, using increase inside the virtual economy.
Job Description:
Paytm is hiring a Credit Risk Analyst for his or her Noida office. The position includes assessing creditworthiness, studying chance information, growing chance fashions, and managing credit score portfolios to reduce losses. Candidates should have 2-5 years of revel in credit danger evaluation, strong analytical skills, and skillability in tools like Excel, SQL, or Python. Competitive income provided.
What Does the Paytm Job Recruitment for Graduates in Noida Offer?
Paytm, established in Noida, has carved a niche in providing virtual monetary answers that cater to hundreds of thousands of clients across India. As a part of the enterprise’s increase, Paytm is looking to recruit graduates for the role of Credit Risk Analyst. This is a dynamic role that offers the opportunity to paint at the intersection of records analytics, finance, and hazard management.
For those who are interested in the fintech sector and have eager information on risk evaluation, this job recruitment is a splendid chance to begin or increase your career with one of India’s maximum recognizable fintech brands.
Key Responsibilities of a Credit Risk Analyst at Paytm
The role of a Credit Risk Analyst at Paytm entails an extensive range of responsibilities geared toward assessing, dealing with, and mitigating credit risk throughout various sectors of the enterprise. Below are a number of the middle obligations and duties:
Credit Risk Assessment:
- The number one obligation is to evaluate and verify the creditworthiness of Paytm’s customers, each retail and agency, to limit monetary losses.
- Review the credit records of applicants and present clients to assess their capability to repay loans or make payments on time.
- Monitor the credit danger associated with various financial products offered through Paytm, along with virtual wallets, non-public loans, and merchant financing.
Data Analytics and Reporting:
- Credit chance analysts use statistical tools and statistics analytics strategies to gather and analyze information that predicts future credit score hazard tendencies.
- Prepare regular reviews highlighting capability credit risks, areas of issue, and actionable insights to assist control make informed decisions.
- Use facts modeling strategies to forecast feasible credit score losses below one-of-a-kind situations.
Risk Mitigation Strategies:
- Collaborate with different groups along with product improvement, operations, and compliance to design and implement risk mitigation strategies.
- Develop models that help are expecting threat elements, as a consequence allowing the organisation to mitigate capability risks proactively.
- Ensure that risk mitigation techniques observe regulatory necessities and cling to internal regulations.
Portfolio Management:
- Monitor and manipulate the credit score portfolio to make sure it remains balanced and inside applicable danger limits.
- Track the performance of customers’ payments and identify symptoms of capability default or non-price.
- Work intently with collections groups to lessen bad money owed and make sure that restoration efforts are well-timed and green.
Collaboration with Stakeholders:
- Work carefully with external stakeholders, including credit bureaus and monetary institutions, to stay knowledgeable approximately marketplace developments and updates on credit policies.
- Liaise with inner groups, including criminal and compliance departments, to ensure that everyone’s management practices align with the organization’s objectives and regulatory framework.
Continuous Monitoring and Adjustment:
- Regularly reveal the market for emerging dangers and monetary shifts that can impact the credit chance profile.
- Adjust present credit guidelines and danger management frameworks based totally on actual-time records and changing market conditions.
Qualifications Required for Paytm Job Recruitment for Graduates in Noida
To be eligible for this thrilling position, Paytm expects candidates to fulfill precise qualifications. Here’s a breakdown of the important thing qualifications that candidates have to own to steady the Credit Risk Analyst function:
Educational Background:
- A bachelor’s diploma in Finance, Economics, Mathematics, Statistics, or associated fields is required. Candidates with a grasp’s degree or publish-graduate qualifications in finance or a related field could have delivered an advantage.
- Strong analytical and quantitative abilties are essential to efficiently determine credit score chance and interpret facts.
Experience:
- Candidates must have 2 to five years of relevant work revel in credit score hazard evaluation, preferably in the fintech, banking, or monetary services area.
- A stable know-how of credit score threat modeling, information analytics, and economic merchandise is essential.
- Experience working with credit bureaus and an understanding of risk evaluation gear and software programs are noticeably useful.
Technical Skills:
- Proficiency in statistics analysis gear together with Excel, SQL, R, Python, or other statistics modeling gear is needed. Experience with statistical software and statistics visualization gear can be an advantage.
- Knowledge of credit score scoring fashions, economic threat control strategies, and regulatory frameworks can also be an asset.
Communication Skills:
- Strong written and verbal communication competencies are vital to explaining complicated threat information and findings to non-technical stakeholders and senior control.
- Ability to collaborate and work effectively in a team surroundings even as maintaining attention to element.
Problem-Solving Abilities:
- A desirable Credit Risk Analyst needs to assume significantly, perceive capacity risks, and provide you with progressive answers to mitigate them.
- A proactive mindset is crucial to stay in advance of risks earlier than they materialize.
Why Choose Paytm for Your Career?
Paytm has won popularity as one of India’s main fintech platforms, presenting a unique opportunity for professionals within the monetary sector. Here’s why working with Paytm, in particular in a Credit Risk Analyst role, may be an exquisite decision:
Exciting Growth Opportunities:
- As an unexpectedly developing business enterprise, Paytm offers extensive opportunities for professional progression, with the capacity to transport up the corporate ladder. Whether you’re just starting in your career or seeking to strengthen, Paytm gives an environment that fosters a professional boom.
Dynamic Work Environment:
- Paytm is known for its colorful and progressive painting and ways of life, where personnel are encouraged to think outside the doors of the box and convey their great thoughts to the table. The enterprise embraces variety and inclusivity, making it an exciting location for paintings.
Competitive Salary and Benefits:
- Paytm gives a competitive profits bundle for the Credit Risk Analyst role, with compensation ranging between 12 to sixteen Lakhs in keeping with annum based totally on revel in and skillset. The benefits also include overall performance-primarily based bonuses, medical insurance, and different worker perks.
Exposure to Cutting-Edge Technology:
- Working with Paytm lets you be a part of a main-edge generation platform that is at the leading edge of fintech innovation. You can have the opportunity to work with state-of-the-art records analytics equipment and risk control technology, that may considerably decorate your professional prospects.
Work-Life Balance:
- Paytm is committed to imparting an awesome paintings-life balance, with flexible operating hours and far-off running alternatives. The agency understands the significance of worker well-being and gives sufficient opportunities for expert and private growth.
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