Lever ·
full-timeAM/M - Risk Analytics - User Lending
Meesho · Bangalore, Karnataka
About the Team Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing financial inclusion of Bharat? Well, then here's your chance! Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for us. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, becoming our key growth and revenue driver. We have found our Product-Market Fit, built and proved 0-1 and 1-10 journeys. Now looking for someone who can be the founding member of a 10-100-1000 journey, and this is possibly one of the most exciting and enriching experiences one could consider in their career. About the Role Meesho FS runs two lines of business: SME Lending, which offers Business Loans, and User Lending, which offers BNPL and Personal Loans (PL). User Lending is now our primary focus in this phase of our FS journey. We have 274Mn ATU, and risk management is at the core of building any sustainable credit business at scale - our being a captive audience means both Growth and Risk are an outcome of underwriting, which is owned by the Risk team. Herein also lies one of our biggest challenges: how do we assess the risk of borrowers without any credit history or income data? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage? This person will be responsible for driving the analytics behind these questions for User Lending - creating analytical frameworks, developing high quality analysis, driving insights and actions, and recommending policy decisions, across a well-established BNPL portfolio and a Personal Loans portfolio that is still scaling. Your role will focus on: Owning the risk for one or more segments of the portfolio while maintaining a healthy growth. Analyzing credit policies using Meesho platform data, bureau data, SMS data, and other alternate data. Creating policies, scorecards and models (Application Score, B-Score, Collection Scores) for BNPL and PL. Designing experiments to test cohort behaviour, experimental policies, and new opportunities for growth. Identifying pockets of risk within the portfolio that don't make sense, and identifying leading indicators / EWS. Automating reporting and tracking of the portfolio at multiple levels - Ops performance measures, key performance indicators, and their drivers. Refining credit policies based on data and creating new policies for unexplored segments, including building day-1 policies for Personal Loans as the product scales. Configuring and testing rules in the real-time Business Rule Engine (BRE), and working with the Bureau Feature Store to define new underwriting features.
| Role | AM/M - Risk Analytics - User Lending |
|---|---|
| Company | Meesho |
| Location | Bangalore, Karnataka |
| Type | full-time |
| Compensation | Not disclosed |
| Posted | 2026-09-25 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4AM/M - Risk Analytics - User Lending at Meesho: frequently asked questions
- What is the salary for this role?
- Meesho has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the AM/M - Risk Analytics - User Lending position remote, hybrid or onsite?
- The listing gives Bangalore, Karnataka as the location and does not state a work mode.
- What is the application deadline?
- Meesho has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the AM/M - Risk Analytics - User Lending role?
- Use the Apply button on this page. It opens the original listing on jobs.lever.co, where you submit your application with the company.
More at Meesho
Other jobs at Meesho
- Lead Copy · Bangalore, Karnataka
- Senior Copywriter · Bangalore, Karnataka
- Associate - Operations · Bangalore, Karnataka
- Deputy Manager - Logistics Intelligence · Bangalore, Karnataka
- Deputy Manager - Revenue Intelligence And Governance · Bangalore, Karnataka
Explore Related Placements
// similar opportunities
You might also like
Senior Product Manager - Data & Analytics Platform
Meesho
About the Team Product Management in Meesho closely resembles our rocketship growth. Because we obsess over understanding customer behaviour, we’ve been able to...
BI Analytics Engineer
Netskope
Join the Future of Security at Netskope Netskope (NASDAQ: NTSK) is a leader in modern security and networking for the cloud and AI era. We secure and accelerate...
Deputy Manager - Logistics Intelligence
Meesho
About the Team It’s no secret that Meesho is making massive leaps towards becoming the most used e-commerce app in India. Our Finance team has a key role to pla...
Marketing Analytics Lead, Enterprise Marketing
Anthropic
About Anthropic Anthropic’s mission is to create reliable, interpretable, and steerable AI systems. We want AI to be safe and beneficial for our users and for s...
Senior Analytics Engineer
Faire
About Faire Faire is a technology wholesale platform built on the belief that the future is local. Independent retailers around the globe collectively represent...
Analytics Lead, Central Market Management
Lyft
At Lyft, our purpose is to serve and connect. We aim to achieve this by cultivating a work environment where all team members belong and have the opportunity to...