Manager, Credit Risk Analytics

About PhonePe Limited:

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.

PhonePe’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.

Culture:

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!

What to expect from this role:

We plan to expand our risk strategy team, and we are looking for a credit risk manager who will work on building risk strategies, risk models and risk policy implementation for our lending business. The person 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

Mentor risk analysts to deliver analysis, models and policy implementation with high pace and high level of accuracy

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

5-8 years of relevant experience in Risk Analytics domain, preferably with Fintechs

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

Be able to create and own processes independently

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance

Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System

Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program

Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy

Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment

Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.

Read more about PhonePe on our blog .

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