Meesho Hiring Manager - Credit Risk

Location: Bangalore, Karnataka
Industry: Financial Services

About the Team

Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing financial inclusion in India? Well, then here’s your chance!

Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for us. Our vision is to build financial services for Meesho, becoming our key growth and revenue driver. We are building out our founding team, currently in our 0-to-1 phase where we will find our Product-Market Fit, designing the right products and working with the right partners, and scaling 1-to-n soon after – driving traffic and constantly improving our product. It is possibly one of the most exciting and enriching experiences one could consider in their career.

As a Financial Services team, we always look at the bottom line. And the bottom line is – in this team, you should expect to have fun as you learn and grow.

About the Role

Lending is going to be our primary focus in this phase of our FS journey, and risk management is at the core of building any sustainable credit business at scale. Herein also lies potentially our biggest challenge for Meesho users: How do we assess the risk of borrowers without any credit history? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage?

This person will be responsible for driving the analytics behind all these questions, from creating analytical frameworks, developing high-quality analysis, driving insights and actions, and recommending policy decisions.

In the early phases, your role will focus more on developing rudimentary analysis to define day-1 policies.

Responsibilities

Analyze credit policies using Meesho platform data, bureau data, and alternate data.
Create Scorecards and models (Application Score, B-Score, Collection Scores).
Design experiments to test cohort behavior and experimental policies.
Identify leading indicators / EWS.
Automate reporting and tracking of the portfolio on multiple levels, including Ops performance measures, key performance indicators, and associated drivers.

Over the longer horizon, as the program scales you are expected to:

Refine the credit policies based on data and create new policies to lend in unexplored segments.
Develop and tune ML models, validate, monitor, calibrate wherever required, and create strategies on top of them.
Code up BRE, automating credit policies as well as underwriting decisions if needed.

What You Will Need

3-5 years of relevant Fin-Tech experience, preferably in Digital Unsecured Lending, with products like business loans (SME), BNPL, and PL (Consumer).
Drive and conceptualize projects on Risk and Data Science.
Strong RCA skills along with excellent critical thinking skills, combined with the ability to present your beliefs clearly and compellingly, both verbally and in written form.
Working knowledge of SQL, Big Data systems like Hive, Metabase, or any other database for data mining in structured as well as unstructured data analytics.
Expertise in PD, EAD, LGD modeling in Python environment.
Ability to thrive in a fast-paced, collaborative environment.
Engineering or Masters in Statistics or Data Science.
Prior experience in fast-paced Credit Risk policy, Risk Analytics, or Decision Science team.

Apply now: Meesho Hiring Manager – Credit Risk