Credit Risk Strategy Specialist

InDrive Money is a lending vertical aiming to fund under-banked audiences across inDrive network. Currently operating in six countries and issuing tens of thousands loans monthly and growing. We are using Platform's and alternative data for underwriting as well as transaction-based collection.

Key Responsibilities

• Support the development and optimization of credit risk strategies for consumer lending products

• Analyze portfolio performance and key risk metrics to identify trends, risks, and growth opportunities

• Monitor and improve underwriting rules, client segmentation, and limit management strategies

• Participate in the development, testing, and implementation of credit decision rules and scoring strategies

• Conduct analytical research on customer behavior, portfolio quality, and acquisition channel performance

• Prepare regular and ad-hoc reporting for Risk, Product, Finance, and Management teams

• Build and maintain dashboards and monitoring tools for portfolio and strategy performance tracking

• Support A/B testing and analytical experiments aimed at improving approval rates, portfolio profitability, and risk performance

• Assist in evaluating new data sources and improving decision-making models

• Participate in the launch and monitoring of new lending products and risk initiatives

• Collaborate closely with senior portfolio risk managers, analytics, product, and collections teams

Skills, Knowledge and Expertise

• 2+ years of experience in credit risk, portfolio analytics, risk strategy, or consumer lending analytics

• Strong analytical mindset and understanding of consumer lending risk metrics

• Experience working with portfolio monitoring, underwriting strategies, or scoring models

• Proficiency in SQL and good practical knowledge of Python, SAS, or similar analytical tools

• Experience with data analysis, reporting automation, and dashboard development

• Understanding of approval strategies, segmentation approaches, and credit portfolio performance analysis

• Ability to work with large datasets and translate analytical findings into business recommendations

• Strong communication skills and ability to work in a cross-functional environment

Why join us

• Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries

• Develop your professional skills with access to mentoring, career consulting, and learning programs

• Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program

• Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects

• Work alongside people who take initiative, speak openly, and challenge themselves to grow

• Improve your language skills through co-financed courses and internal speaking clubs

Final benefits may vary depending on the location