Credit Risk Operations Analyst Jobs

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Data Quality and Governance Product Manager Senior Specialist, Product Management Data Quality & Governance Product Manager, Small Business Credit Analytics (SBCA) ________________________________________ Overview Small Business Credit Analytics (SBCA) helps financial institutions make better lending and risk decisions through trusted, data-driven insights. We are seeking a Senior Specialist, Product Management to serve as the Data Quality & Governance Product Manager for the SBCA portfolio. This role will be accountable for establishing data quality standards, governance frameworks, and operational controls that ensure SBCA data is accurate, complete, timely, reliable, and trusted by customers. The ideal candidate combines strong product management skills with deep data expertise and will partner across Product, Engineering, Data Science, Data Engineering, Operations, and Customer Success teams to drive continuous improvements in data quality and governance. ________________________________________ Role Own the SBCA Data Quality Strategy and Roadmap • Define and execute the SBCA Data Quality and Governance roadmap. • Establish data quality standards, KPIs, scorecards, and operational objectives. • Drive improvements in data accuracy, completeness, consistency, freshness, coverage, an

About the Role We are seeking a senior Treasury Markets leader to build and lead OpenAI's investment management, FX, interest rate risk management, and debt markets capabilities. This role will own corporate liquidity investment strategy, global currency risk, rate exposure, and the design of market-risk programs across rates, FX, liquidity, counterparty, and other Treasury exposures. The ideal candidate combines CFA-level investment discipline, hands-on derivatives and capital markets execution, strong tax and accounting fluency, and exceptional executive communication. They should be able to translate complex market, hedge, liquidity, capital structure, credit market, rating agency, tax, accounting, risk, and governance topics into crisp executive-ready recommendations, decision memos, and Board-level materials. In this role, your responsibility will include: Investment Management Own investment strategy for corporate cash and liquidity portfolios, balancing capital preservation, liquidity, yield, diversification, counterparty risk, accounting, tax, and regulatory considerations. Lead portfolio construction, investment policy governance, risk monitoring, performance reporting, manager/counterparty oversight, and compliance for corporate investment portfolios. Maintain market intelligence on rates, credit, liquidity markets, fixed income products, external manager performance, and emerging portfolio risks. FX & Cash Flow Hedging Design and operate FX balance sheet and cash flow hedging programs that align exposure management, hedge objectives, accounting treatment, tax considerations, controls, and business needs. Manage FX and derivatives activity across global operations, including exposure analytics, hedge strategy, trade execution, counterparty management, effectiveness tracking, and reporting. Partner deeply with Accounting, Tax, FP&A, Legal, and business leaders to improve exposure visibility and ensure hedge programs are operationally controlled and

Job Title: Zonal Collection Manager About the Team: The Collections team is responsible for managing overdue accounts, driving recovery performance, monitoring collection agencies and in-house teams, and ensuring compliance with applicable regulatory guidelines and the Code of Conduct. The team focuses on achieving collection targets, improving recovery efficiency, and minimizing credit losses across assigned territories. About the Role: The Zonal Collection Manager will be responsible for driving collection performance across the assigned zone, managing regional and branch-level collection teams, and ensuring the achievement of business and recovery targets. The role requires strong leadership, strategic planning, stakeholder management, and expertise in managing collection agencies and field operations while maintaining regulatory compliance. Key Responsibilities: Drive and achieve zonal collection targets across assigned products, branches, and delinquency buckets. Develop and implement effective collection strategies to improve recovery rates, reduce roll-forwards, and control delinquencies. Lead, manage, and monitor regional collection managers, branch teams, field executives, and collection agencies. Review collection performance through regular MIS, productivity reports, and portfolio analysis, and take corrective actions wherever required. Monitor collection agency performance, ensure optimal resource utilization, and drive accountability for assigned targets. Ensure strict adherence to applicable RBI guidelines, regulatory requirements, internal policies, and the Code of Conduct. Identify and control fraudulent practices, operational risks, and process gaps across collection operations. Work closely with business, credit, risk, legal, and operations teams to resolve collection challenges and improve recovery outcomes. Manage escalations related to overdue accounts, customer grievances, and field collection activities. Ensure effective allocation of colle

About the role Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes. We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable. As a Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system, not just how one team ships. You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together. Why join Lending? Work on systems that matter The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters. Own a bigger surface area This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and execution a

About the role Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes. We operate some of Chime’s most consequential systems. Our teams build real-time money movement and decisioning infrastructure at scale, including underwriting and eligibility, ledgering and reconciliation, capital markets workflows, repayment systems, and financial transactions that must be correct, resilient, and auditable. As a Senior Software Engineer in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. This is a role for engineers who want to own more than a single service or feature area. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system, not just how one team ships. You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together. Why join Lending? Work on systems that matter The products and platforms we build directly impact millions of members and sit at the center of Chime’s mission to help everyday people unlock financial progress. The problems are complex, the stakes are real, and the work matters. Own a bigger surface area This role is designed for engineers who want broader scope. You won’t be limited to a narrow feature lane. You’ll work across product experiences and shared infrastructure, helping connect strategy, systems, and exec

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the team: We are an end to end tech enabled credit platform providing seamless credit access to customers. Our capabilities extend from fully digitized customer on-boarding, seamless in-app to real times offers for We partner with financial institutions and leverage the insights we gather through our ecosystem design and offer innovative and customized financial products to our consumers and merchants. About Role: We are looking for a Senior Product Manager (SPM) who can own products end-to-end — from identifying customer and business problems to defining the product strategy, shipping high-quality experiences, and measuring outcomes. The ideal candidate should be a strong product thinker, execution leader, customer advocate, and stakeholder manager, with hands-on experience in building and scaling digital products. Experience in FinTech, lending, payments, Internet, or e-commerce is highly preferred. Key Responsibilities * Own the product vision, roadmap, prioritisation, and execution for one or more product areas. * Translate customer, business, and market problems into clear product requirements and scalable solutions. * Drive products/features through the complete lifecycle — discovery → definition → development → launch → measurement → iteration. * Lead feature launches and product releases, ensuring strong execution, adoption, and measurable business impact. * Work closely with Engineering, Design, Data, Analytics, Business, Operations, Risk, Compliance, Marketing, and other cross-functional teams. * Manage multiple high-priority and concurrent product initiatives in an Agile environment. * Own cu

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role The Data Science team is seeking a Senior Manager who will help support growth in our SIPS businesses by improving SoFi’s ability to execute with data. This is an exciting role for someone to leverage their Analytical, Engineering, and Management skills to lead a team of Data Scientists with high visibility and impact. You will serve as a data leader, balancing urgent requests and delivering high quality projects to key stakeholders, through a clear and repeatable data informed approach. You will create a culture of strong technical ownership, deliver impact with prioritization, support the growth of individual contributors, and hold the team accountable with high standards. You are expected to work cross-functionally, including: engineering, product managers, lifecycle marketing, data science, design, operations, finance, risk, legal, compliance, and executive teams to set business objectives, define product strategy, prioritize features, and execute on them. What you’ll do: Manage a team of Data Scientists supporting SoFi’s Checking and Savings, Invest, Credit Card, Protect, and Lantern businesses Collaborate with senior leaders and other stakeholders to identify and prioritize Data Science initiatives Set high standards for quality and on-time delivery. Recruit, grow, and reta

Title: Business Head – F&O About Us Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role We are looking for a highly driven Business Head – F&O to lead the Futures & Options business for Paytm Money. This role will own the F&O business strategy, P&L, product roadmap, growth initiatives, and customer lifecycle. You will work closely with Product, Growth, Analytics, Risk, Compliance, and Operations teams to drive business growth, improve trader engagement, and strengthen Paytm Money's position in the derivatives market. Responsibilities Own the F&O business P&L and drive key business metrics including MTUs, retention, premium turnover market share, and ARPU. Define and execute growth strategies across acquisition, activation, engagement, and retention of F&O traders. Partner with Product teams to build the F&O roadmap, including order types, margin products, trader tools, pricing, and analytics. Drive lifecycle marketing and engagement initiatives to improve trader activation, retention, and wallet share. Monitor business performance through dashboards, metrics, and experiment-led decision making. Track competition, market trends, and SEBI/exchange regulations to adapt business strategies. Collaborate with Risk, Compliance, Customer Support, and Operations teams to deliver a seamless, compliant, and high-trust trading experience. Work closely with cross-functional stakeholders to execute strategic initiatives and achieve business growth targets. Expecta

Title: Business Head – F&O About Us Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role We are looking for a highly driven Business Head – F&O to lead the Futures & Options business for Paytm Money. This role will own the F&O business strategy, P&L, product roadmap, growth initiatives, and customer lifecycle. You will work closely with Product, Growth, Analytics, Risk, Compliance, and Operations teams to drive business growth, improve trader engagement, and strengthen Paytm Money's position in the derivatives market. Responsibilities Own the F&O business P&L and drive key business metrics including MTUs, retention, premium turnover market share, and ARPU. Define and execute growth strategies across acquisition, activation, engagement, and retention of F&O traders. Partner with Product teams to build the F&O roadmap, including order types, margin products, trader tools, pricing, and analytics. Drive lifecycle marketing and engagement initiatives to improve trader activation, retention, and wallet share. Monitor business performance through dashboards, metrics, and experiment-led decision making. Track competition, market trends, and SEBI/exchange regulations to adapt business strategies. Collaborate with Risk, Compliance, Customer Support, and Operations teams to deliver a seamless, compliant, and high-trust trading experience. Work closely with cross-functional stakeholders to execute strategic initiatives and achieve business growth targets. Expecta

Everpure (NYSE: P) has evolved from storage pioneer to data platform, closing fiscal 2026 with $3.7 billion in revenue, its first billion-dollar quarter, and accelerating growth into FY27. Our strategic agenda spans the companies defining the next era of technology - hyperscalers, AI labs, the AI hardware supply chain, data platform providers, and the broader AI ecosystem. This type of work—work that changes the world—is what the tech industry was founded on. So, if you're ready to seize the endless opportunities and leave your mark, come join us. THE ROLE As our International Treasury Manager, you will shape and safeguard Everpure's financial foundation across international entities. Partnering closely with Accounting, Tax, FP&A, Legal, Payroll and Accounts Payable, you will lead regional cash management, optimize intercompany liquidity, and scale high-impact banking infrastructure. You will leverage AI-enabled tools and automated workflows to transform cross-border financial operations into a seamless, high-performing growth engine. This role offers the unique opportunity to drive capital efficiency, mitigate risk, and directly fuel Everpure's global expansion. WHAT YOU'LL DO Optimize Global Liquidity & Capital: Mastermind regional cash optimization strategies and intercompany funding structures to maximize capital efficiency, execute short-term investments, and minimize idle liquidity across international entities. Lead Banking Relationships & Governance: Serve as the strategic operational lead for international financial institutions, managing account lifecycles, user access controls, and periodic KYC compliance to maintain robust financial governance. Build Predictive Cash Models & Trade Finance: Develop high-accuracy liquidity forecasts and deploy AI-assisted analytics to evaluate cash variance, while managing Letters of Credit (LCs) to ensure trade compliance and support business scale. Drive Cross-Functional Excellence & Compliance: Partn

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role SoFi is seeking a Fraud Model Developer to join our Fraud Model Development team. In this role, you will develop, evaluate, and monitor machine learning models that support data-driven fraud and risk decisions across SoFi’s products and services, including Personal Loans, Student Loans, Credit Cards, and Crypto. You will build quantitative and machine learning solutions designed to reduce fraud losses, minimize false positives, lower operational costs, and protect SoFi members. You will also analyze model and product performance, identify key drivers of fraud losses, and translate complex findings into actionable recommendations for business and risk partners. This role requires strong experience in machine learning, statistical modeling, data analysis, and model performance monitoring. You will work closely with Fraud Risk, Fraud Operations, Product, Engineering, Finance, Accounting, and other business teams to develop scalable fraud-modeling solutions and ensure model performance and loss trends are clearly communicated. What you’ll do Develop quantitative, statistical, and machine learning models that reduce fraud losses, minimize false positives, and lower operational expenses associated with fraud complaints and disputes. Aggregate, clean, and synthesize large datasets from multiple data envir

About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances. The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making. Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design - Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management Requirements: - 2 to 5 yrs in portfolio risk management function in Fintech/ Banks/ NBFC - Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc - Ability to translate data into clear insights and recommendations - Familiarity with BI tools like Tableau, Looker , Metabase etc - Understanding of machine learning models in credit risk - Strong problem solving and stakeholder management skills

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. What you’ll do Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. Responsibilities Work directly with our top merchants, from successful venture-backed startups to well established institutions, to evaluate their business models and financial statements Provide tailored credit risk recommendations that mitigate Stripe’s exposure, while facilitating partner company growth Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models Deliver insights to support senior management decisions, ranging from onboarding strategi

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. What you’ll do Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. Responsibilities Work directly with our top merchants, from successful venture-backed startups to well-established institutions, to evaluate their business models and financial statements. Provide tailored credit risk recommendations that mitigate Stripe's exposure, while facilitating partner company growth. Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models. Deliver insights to support senior management decisions, ranging from onboarding strategie