Role: Business Analyst

Company: PayU Finance India Private Limited Location: Bangalore/Mumbai

About Company:

PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the largest technology investors in the world. Operating and investing globally in markets with longterm growth potential, Prosus builds leading consumer internet companies that empower people and enrich communities.

The leading online payment service provider in 36 countries, PayU is dedicated to creating a fast, simple and efficient payment process for merchants and buyers. Focused on empowering people through financial services and creating a world without financial borders where everyone can prosper, PayU is one of the biggest investors in the fintech space globally, with investments totalling $700 million- to date. PayU also specializes in credit products and services for emerging markets across the globe. We are dedicated to removing risks to merchants, allowing consumers to use credit in ways that suit them and enabling a greater number of global citizens to access credit services.

Our local operations in Asia, Central and Eastern Europe, Latin America, the Middle East, Africa and South East Asia enable us to combine the expertise of high growth companies with our own unique local knowledge and technology to ensure that our customers have access to the best financial services.

India is the biggest market for PayU globally and the company has already invested $400 million in this region in last 4 years. PayU in its next phase of growth is developing a full regional fintech ecosystem providing multiple digital financial services in one integrated experience. We are going to do this through 3 mechanisms: build, co-build/partner; select strategic investments.

PayU supports over 350,000+ merchants and millions of consumers making payments online with over 250 payment methods and 1,800+ payment specialists. The markets in which PayU operates represent a potential consumer base of nearly 2.3 billion people and a huge growth potential for merchants.


Roles and Responsibilities:
 Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy considering, among others, macroeconomic environment, industry and micro-industry concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit performance, etc.  Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing, product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and collections.  Create predictive early detection credit deterioration capabilities using internal and external performance data.  Investigate, create, implement and validate various risk and financial forecasts using complex data including cohort and time series analysis of loan balances, revenue performance, net income performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.  Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build relationships, set goals and track operations performance, providing an actionable feedback loop as it relates to portfolio performance across key Family Capital Funding metrics.  Ensure sound credit control by taking a pro-active approach to risk management within the risk guidelines of Family Capital Funding.  Demonstrate governance, control and risk management behaviours in alignment with Family Capital Funding policies and practices. Document all new processes per Enterprise policy  Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities to identify and maintain good business opportunities with new and existing clients.  Perform detailed analysis and interpret information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management.  Ensure the timely and effective communication of forecasting results & variance drivers; anticipating potential needs in an effort to establish and maintain good working relationships with key business stakeholders.
Qualifications and Experience:
 Undergraduate degree in Economics, Engineering, or Mathematics  2 to 5 years of related experience in a Business Analytics, Finance, Strategy, or Product functional area  Excellent business judgment and risk assessment as demonstrated by previous work or academic experience in an analytic role related to economic or business analysis  Strong Analytical and Problem-Solving Skills as demonstrated by previous experience in developing creative solutions to business strategy, technological, and operational problems  Excellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely with large data sets and get into the details with business processes  Knowledge and experience with statistical concepts and financial analytics (break-even analysis, NPV estimation, downside risk assessment)  Desire to help small businesses by eliminating inefficiencies and excessive costs in the lending business

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