Paytm Off campus hiring 2026 for Credit Risk Analyst 0-4 Years experience Full Time

Paytm Off campus hiring 2026 for Credit Risk Analyst 0-4 Years experience . This is a great opportunity for freshers and early-career professionals looking to kickstart their journey in a global IT services company. The position is based in India and eligible candidates are encouraged to apply online at the earliest. The detailed eligibility criteria and application process are given below. Also Check course section free 

About Company :

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.

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Job Description :

The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.

We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks

Job Responsibilities

• Analyze credit risk across various  products, including merchant and personal loans.
• Liaison with the business team to understand the credit risk policies and implement the same on platform.
• Implement the credit risk policies on our proprietary platform
• Monitor performance of credit risk policies. Share feedback with Product and Policy team what’s working well and what needs improvement
• Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.
• Conduct testing and scenario analysis to measure policy resilience.
• Monitor key risk indicators (KRIs) and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal risk policies.
• Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.

Required Skills and Qualifications

• 0-3 years of experience, preferably in a fintech or banking environment.
• Proficiency in SQL, Python, for data analysis and manipulation.
• Excellent analytical, problem-solving, and communication skills.
• Ability to work in a fast-paced, dynamic environment and collaborate across teams.
• Education qualification: B.Tech- NIT/BITS or any other reputed institutions

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