PhonePe Hiring: Analyst – Credit Risk Management (Consumer) 2026
Job Description
Power India’s digital lending revolution with a leading fintech giant.
PhonePe is actively hiring for the Analyst – Credit Risk Management (Consumer) position at its Bangalore office. This is an exceptional opportunity for analytical and data-driven graduates to build risk and fraud strategies, develop machine learning credit models, and shape the consumer lending portfolio serving millions of users across India.
📋 Role Highlights & Quick Details
| Detail | Information |
| Role Name | Analyst – Credit Risk Management (Consumer) |
| Location | Bangalore, Karnataka |
| Eligibility | B.E. / B.Tech (from Tier-I / Tier-II institutions) |
| Batch | 2025 / 2026 |
| Experience | Freshers / 0–1 Year |
| Salary (CTC) | ₹5 – ₹7 LPA (Expected) |
💡 What You Will Actually Do
- Strategy Building: Design and refine credit risk and fraud management strategies across PhonePe’s consumer lending products.
- Risk Modeling: Develop and optimize statistical credit risk models utilizing machine learning algorithms like Decision Trees and XGBoost.
- Alternative Data Evaluation: Analyze non-traditional and alternative data sources to strengthen risk detection and underwriting capabilities.
- Stakeholder Insights: Translate data insights into actionable recommendations and present strategic proposals to cross-functional business leaders.
- Portfolio Monitoring: Continuously monitor model performance, delinquency rates, and risk metrics to balance portfolio growth with risk mitigation.
📝 Selection Process
- Online Application: Submit your resume through the official PhonePe careers portal.
- Profile Screening: Shortlisting based on academic background, problem-solving skills, and quantitative aptitude.
- Technical & Analytical Test: Evaluates SQL, Python programming, data analytics, and case study problem-solving skills.
- Interview Rounds: Product/Risk case study round, technical discussion on statistical modeling, and a final culture-fit round.
➡️ How to Apply
- Official Link: Apply Here – PhonePe Careers Portal
- Preparation Tip: Ensure proficiency in SQL, Python, and MS Excel. Review core concepts of supervised machine learning algorithms (e.g., Decision Trees, XGBoost, Logistic Regression) and practice solving business case studies related to credit scoring or fraud detection.
- Stay Updated: Join our official community channels for instant notifications: