About Talent House Ltd:

We are a leading recruitment and HR consulting firm that operates as a link between people and companies in achieving a shared purpose. We offer creative, effective and flexible solutions that not only help individuals discover their career paths but provide organizations with talent they can recruit, develop and retain.

About the role:

Mighty Fin is seeking a highly analytical Credit Risk Analyst with direct experience in digital lending, microfinance risk management, and credit analytics. This is not an entry-level analyst role. The candidate must already understand how to manage fast-moving lending portfolios in emerging markets and should be comfortable working with alternative data, behavioral scoring, fraud monitoring, and delinquency analytics.

Key Responsibilities:

• Monitor and optimize portfolio risk performance
• Conduct borrower and sector risk analysis
• Support credit policy refinement and scorecard development
• Analyze repayment behavior and delinquency trends
• Detect fraud patterns and suspicious lending behavior
• Produce risk dashboards and portfolio reporting for management

Desired Skills and Experience

Minimum 3–5 years experience in:

• Microfinance
• Digital lending
• Banking risk
• Fintech credit operations

Strong understanding of:

• PAR analysis
• Vintage analysis
• Roll rates
• Collections analytics
• Fraud risk monitoring
• Credit scoring methodologies

Experience analyzing unsecured consumer or SME lending portfolios

Experience working with high-volume loan books

Ability to independently identify portfolio deterioration trends and recommend corrective action

Strong Excel skills required

Experience with SQL, Power BI, Python, or analytics systems is a strong advantage

Compensation:

The incumbent will receive a competitive salary commensurate with experience.

• Monitor and optimize portfolio risk performance
• Conduct borrower and sector risk analysis
• Support credit policy refinement and scorecard development
• Analyze repayment behavior and delinquency trends
• Detect fraud patterns and suspicious lending behavior
• Produce risk dashboards and portfolio reporting for management

• PAR analysis
• Vintage analysis
• Roll rates
• Collections analytics
• Fraud risk monitoring
• Credit scoring methodologies
• Strong Excel skills
• Experience with SQL, Power BI, Python, or analytics systems is a strong advantage

• Minimum 3–5 years experience in: Microfinance, Digital lending, Banking risk, Fintech credit operations
• Strong understanding of: PAR analysis, Vintage analysis, Roll rates, Collections analytics, Fraud risk monitoring, Credit scoring methodologies
• Experience analyzing unsecured consumer or SME lending portfolios
• Experience working with high-volume loan books
• Ability to independently identify portfolio deterioration trends and recommend corrective action