Associate Director - Risk Analytics

Ninjacart - Pioneer. Challenge Yourself. Create Better Lives.

Ninjacart is a pioneer in agritech. We believe in fostering a culture of innovation. We develop professionals who pioneer new ideas, simplify customer experiences, and impact the lives of millions. Our employees take complete ownership and truly belong.

Ninjacart is India's leading agri-platform, which leverages technology and data to organize the agri-commerce ecosystem. Over the last 8 years, our made-for-India technology and India-centric solutions have disrupted the way fruits and vegetables move from farms to consumers’ plates. We empower farmers and other players in the ecosystem in ways never done before.

Ninjacart aims to be the digital network for global agri-commerce that solves structural problems such as information asymmetry, payment hassles, distribution inefficiency, and discovering new buyers and sellers with tech-first solutions.

Ninjacart has raised over $350mn from Walmart Group, Tiger Global, Accel US, Accel India, Syngenta, and others. We are one of the top 25 startups to work for, according to Linkedin.

We are a highly motivated, results driven community, who focus on proactive approaches to problem solving. We cherish entrepreneurial spirit and provide significant operating autonomy to senior leaders. There are ample opportunities and challenges to be solved at scale and in real-time.

Read More:

• #BetterLives For Every Agri Citizen

https://www.linkedin.com/feed/update/urn:li:activity:7120720715909115905/ 

• How Ninjacart has evolved in the last 8 years: https://www.youtube.com/watch?v=J9Kts-O7tv4
• Ninjacart Blog : https://www.ninjacart.com/blog/
• Nandan Nilekani on Ninjacart : https://www.linkedin.com/posts/ninja-cart_tech-pioneersatwork-ninjacart-activity-7027281166617505792-pciW
• Ninjacart Culture CODE: https://www.linkedin.com/posts/ninja-cart_ninja-code-our-values-activity-7076821402548387840-KuL1 

 Location: Bangalore, KA, IN

 Responsibilities

• Setup the credit policy framework, credit process and build proprietary risk models and scorecards.
• Team building, taking the lead in building a high quality data-driven credit team.
• Setting credit Risk policy, provides oversight of the credit granting process, provides guidance to the team, performance evaluation, effective monitoring and control of portfolio and its compliance and early identification of high risk accounts to minimize the loss.
• Run multiple experiments on different customer segments and continually improve the risk framework.
• Use alternate data to come up with new rules to reduce delinquency.
• Come up with innovative solutions to reduce fraud and collusion risk.
• Work closely with other teams to contribute to the overall business strategy.
• Draft risk policies- Credit underwriting.
• The opportunity is to contribute beyond the functional role, and be an instrumental part of charting the growth path of a potentially large impactful organisation.

A Ninja is resilient, smart, and ambitious. Sounds like you? Here’s what you will need to have to join the Ninja Clan 

We are looking for an experienced Risk Analytics professional to lead the Risk Analytics vertical to be based out of our head office at Bengaluru India.

• 7+ years of risk analytics experience ideally in the BNPL/Consumer/Retailer segment (either in banks/ NBFCs or Fintech)
• Built new products and seen through growth cycles in the company while balancing NPAs.
• Should have built fully automated underwriting engines at scale.
• Should have a technology mindset to drive the right customer experience and enable collections/ risk management at scale using automated processes.
• Should have a view of collections and feed that intelligence into risk modelling.
• Worked closely with the product & tech teams in building data driven credit evaluation products.
• Built relationships with key public and private stakeholders such as business partners, bureaus, & create a network of reliable business partners and other key players in the financial ecosystem.
• Execution oriented, the ability to get things done fast.
• Intellectual honesty - always seeking and stating truth irrespective of personal beliefs.
• Empathetic to the customer segment & mission-oriented.
• High sense of ownership- Personal growth and learning mindset.
• Excellent problem solving skills - ability to think from first principles.
• Has a good understanding of Indian market in terms of products, competitors and pricing.
• Comfortable in a fast- paced, start-up environment.

Additional Information

At Ninjacart, we are creating a workplace that enables everyone to find their true potential, purpose, and passion irrespective of their background, gender, race, sexual orientation, religion and ethnicity. We are committed to providing equal opportunity for all and believe that diversity in the workplace creates a more vibrant, richer work environment that advances the goals of our employees, communities and the business.

Check out what Life at Ninja looks like!