About Us
PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly-owned subsidiary of the globally renowned Prosus group (formerly Naspers group) headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing over $280 million in consumer credit and approximately 20 billion loans by volume, we have established ourselves as a market leader in financial technology innovation. PayU Finance provides consumers and merchants with easy access to affordable short-term/medium-term loans.
About Role
This pivotal position sits at the intersection of innovation and expansion within our embedded merchant lending division at PayU Finance. As a key contributor, you will be instrumental in our "0 to 1" scaling journey, where your expertise will drive the transformation of how we leverage both alternative and traditional data sources to extend credit to underserved/new market segments. Your impact will be realized through the strategic application of advanced analytics, cutting-edge data science methodologies, and deep domain knowledge.
Role Details
Develop and implement credit risk management strategies ensuring lending activities are prudent, profitable, and compliant with regulations
Design credit policies using traditional and alternative data sources to optimize risk-adjusted returns while meeting business objectives
Partner with senior leadership and partners to establish scalable risk frameworks that support our hyper-growth trajectory
Establish and refine acquisition and customer management strategies specifically tailored for our merchant lending business
Collaborate across Business, Data Science, Product, and Technology teams to create customer-centric solutions that enable prudent scaling
Work directly with C-suite executives to ensure appropriate risk strategies are implemented throughout the organization
Champion a culture of proactive risk management that supports our mission
Candidate ProfileEducational Qualifications
Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.
Experience
1-2 years of Experience in Credit Risk Policy / Risk Analytics OR
1-2 years of Experience in Business Analytics/Business Strategy
Skills Required
Strong problem-solving abilities with strong communication and stakeholder management skills to successfully deliver business and risk initiatives
Proficiency in at least one technical language (R, SAS, Python, or SQL)
Demonstrated ability to visualize complex data analyses and communicate insights effectively to diverse audiences, including executive leadership
Strong sense of ownership with proven track record of delivering results-focused projects
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