Analyst, Credit Risk Management - Consumer

The typical interview experience for Analyst, Credit Risk Management - Consumer role at PhonePe Limited involves three rounds: Technical Round, Managerial Round, and HR Round. The technical round assesses your technical skills and knowledge, while the managerial round evaluates your leadership and management skills. The HR round is based on company knowledge and cultural fit. It's essential to be well-prepared and confident during the interview process.

At PhonePe, we empower people and trust them to do the right thing. We have a dynamic and innovative work culture that promotes individual expression, creativity, innovation, and achievement. Our employees are passionate about their work and are committed to delivering high-quality results.

BTech/ BE from Tier-I & II colleges, Experience in SQL, Python, MS Excel, Experience with Statistical modeling such as Decision Trees, XGBoost etc. preferred

Round 1: Technical Round → Round 2: Managerial Round → Round 3: HR (based on company knowledge)

PhonePe Limited is a leading digital payments company in India, with over 60 Crore registered users and a digital payments acceptance network spread across over 4 Crore merchants. As of April 2025, PhonePe processes over 33 Crore transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore. The company's portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services. At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you're excited by the idea of building platforms that touch millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us! We plan to expand our risk strategy team, and we are looking for risk analysts who will work on building risk strategy for our lending business. They will work in a dynamic environment, and with cross-functional teams to help manage risk while continuously supporting the business to grow. They will be expected to work on: - Build Risk strategies to manage Fraud and Credit Risk for Lending business - Evaluate alternate data sources to solidify the risk management - Build the best risk models - Be able to clearly communicate results and recommendations to various stakeholders - Evaluate the effectiveness of the solutions and improve upon them in a continuous manner - We expect them to have a mix of a strong technical background and to have a keen eye for business implications of their work The ideal candidate for this role should: - BTech/ BE from Tier-I & II colleges - Experience in SQL, Python, MS Excel - Experience with Statistical modeling such as Decision Trees, XGBoost etc. preferred - Be agile and highly collaborative, communicate impressively - Strong analytical acumen and problem solving - Be highly data-driven and adept at balancing needs with business goals - Thrive in a competitive and a result-oriented work environment PhonePe offers a range of benefits to its full-time employees, including insurance benefits, wellness programs, parental support, mobility benefits, retirement benefits, and other benefits. The company's inclusive culture promotes individual expression, creativity, innovation, and achievement, and it is committed to treating all its employees and job applicants equally, regardless of gender, sexual preference, religion, race, color, or disability. If you're looking for a challenging and rewarding role in a dynamic and innovative company, and you have a passion for risk management and analytics, then this could be the perfect opportunity for you. Join PhonePe's risk strategy team and be part of a team that is shaping the future of digital payments in India.