Credit Risk Analyst Jobs in Chennai Fintech and Payment Company
⚡ Hiring Now🏫 Chennai Fintech and Payment Company Employment Zones
Chennai's private fintech and payment companies build digital payment infrastructure, lending platforms, and neobanking solutions from offices in Guindy and Ambattur MIDC, employing Tamil-speaking payment engineers, product managers, and business development executives.
Fintech and Payment Company employment zones in Chennai include Guindy, Ambattur MIDC, Sholinganallur, Anna Nagar, Nungambakkam, T. Nagar, Adyar, Velachery, Taramani, and Perungudi.
📋 Job Description
Jobzi is sourcing qualified candidates for Credit Risk Analyst positions in Chennai's private Fintech and Payment Company sector. This is a full-time opportunity with a reputed Fintech and Digital Payments employer in Chennai offering competitive salary, structured growth, and a professional work environment. Tamil communication skills are preferred alongside English for professional and business interaction in Chennai.
📌 Key Responsibilities
- Develop and validate credit scoring models for personal loans, BNPL, and digital credit products
- Analyze bureau data, alternate data sources, and application attributes to build PD and LGD models
- Monitor portfolio performance metrics including delinquency rates, NPA levels, and vintage analysis
- Conduct stress testing and scenario analysis on the lending portfolio under adverse economic conditions
- Collaborate with product and engineering teams to deploy credit scorecards in the loan origination system
- Prepare monthly credit risk dashboards and portfolio health reports for risk management committees
- Research and incorporate new data signals such as mobile behavior, utility payments, and GST data into credit models
🎓 Qualifications and Requirements
- MBA in Finance, B.E./B.Tech in CS or Statistics, or equivalent quantitative degree from a recognized institution
- 1 - 5 Years of experience in credit risk analytics, scorecard development, or lending operations in fintech or NBFC
- Strong knowledge of credit scoring concepts, PD modelling, and statistical model validation
- Proficiency in Python or R for statistical analysis and model development workflows
- Hands-on experience with credit bureau data from CIBIL, Experian, Equifax, or CRIF
- Good understanding of RBI NPA classification, NBFC lending norms, and digital credit regulations
- SQL skills for portfolio data extraction and monitoring query development
- Good Tamil and English communication skills for team coordination and client interaction in Chennai.
✅ Required Skills
🏆 Certifications and Qualifications
B.E./B.Tech. CS or ECE for software engineering roles; PCI DSS compliance awareness for payment security roles; ISO 27001 for information security roles; CISA for IT audit roles in fintech; RBI NBFC regulatory compliance knowledge for lending fintech; PMP or Agile Scrum for product manager roles; CFA or NISM for wealthtech analyst roles; Python and ML for fraud detection and credit scoring roles; AWS/Azure cloud certification for platform engineering roles
Frequently Asked Questions
What types of fintech and payment company jobs are available in Chennai?
Chennai's private fintech sector offers a wide range of roles spanning technology, product, operations, risk, and compliance. Software engineers build payment APIs and lending platforms, product managers drive roadmaps for UPI and credit apps, data scientists build fraud and credit scoring models, and operations professionals handle KYC, merchant onboarding, and loan servicing. The city's OMR and Sholinganallur zones have the highest density of fintech employers.
What is the salary range for fintech jobs in Chennai?
Fintech salaries in Chennai span a wide range depending on role and experience. Entry-level payment operations and customer support roles pay Rs.15,000 to Rs.35,000 per month. Mid-level engineers, analysts, and product managers earn Rs.30,000 to Rs.1,00,000 per month. Senior and leadership roles in fintech product, data science, and compliance can command Rs.1,00,000 to Rs.5,00,000 or more per month in Chennai's competitive talent market.
What skills are most in demand for fintech jobs in Chennai?
Chennai fintech companies actively seek engineers with Java, Python, React, Flutter, and cloud skills for building payment and lending platforms. Non-technical roles require knowledge of KYC, AML, RBI regulations, and credit risk frameworks. Data science skills including Python, ML model development, and SQL are highly valued for fraud detection and credit scoring. Product managers with digital payments domain knowledge and Agile experience are among the most sought-after profiles in the Chennai fintech market.
What does a Credit Risk Analyst do in a Chennai fintech or digital lending company?
A Credit Risk Analyst in a Chennai fintech company builds and monitors credit scoring models used to approve or reject loan applications from retail or MSME borrowers. They analyze portfolio delinquency trends, develop predictive default models using bureau and alternate data, and work with engineering teams to deploy scorecards in the loan origination system. Their work directly determines the credit quality and profitability of the lending portfolio.
What is the salary for Credit Risk Analyst in Chennai fintech?
Credit Risk Analysts in Chennai digital lending and fintech companies earn Rs.28,000 to Rs.68,000 per month. Candidates with 1-2 years of scorecard or lending analytics experience earn Rs.28,000 to Rs.45,000. Those with 3-5 years of PD modelling, bureau data analysis, and portfolio monitoring experience earn Rs.55,000 to Rs.80,000 per month at Chennai-based NBFCs and lending fintechs.
What tools and skills are essential for Credit Risk Analyst roles in Chennai fintech?
Python with scikit-learn and statsmodels is the primary tool for credit model development in Chennai fintech firms. SQL is essential for portfolio data extraction. Familiarity with CIBIL and Experian bureau data structures, knowledge of logistic regression and gradient boosting for PD models, and understanding of Gini, KS, and PSI model performance metrics are standard requirements. RBI NBFC lending regulation knowledge is an important differentiator.
What is the salary for Credit Risk Analyst in Chennai Fintech and Payment Company in
A Credit Risk Analyst in Chennai earns between Rs.30,000 and Rs.70,000 per month in July 2026, depending on experience, skills, and employer.
What experience is required for Credit Risk Analyst jobs in
1 - 5 Years of relevant experience is typically required for Credit Risk Analyst positions in Chennai's private Fintech and Payment Company sector.
வேலை விவரம் - தமிழில்
Chennai-ல் Credit Risk Analyst வேலைவாய்ப்பு. மாத சம்பளம் ரூ.30,000 முதல் ரூ.70,000 வரை. 1 - 5 Years અனுபவம் தேவை. Fintech and Payment Company-ல் Full Time பணி. ஆர்வமுள்ளவர்கள் Jobzi மூலம் விண்ணப்பிக்கலாம்.