Meesho
Meesho is hiring a Manager – Risk Analytics – User Lending in Bangalore, Karnataka. The salary has not been published by the employer. Everything below comes from the employer’s own posting, with the apply link going directly to their careers portal.
About this role
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.
What you will do
• Own and drive risk analytics initiatives across digital lending portfolios, including BNPL, Personal Loans, and other unsecured lending products.
• Identify portfolio trends, diagnose emerging risks, and conduct deep-dive RCAs to understand key drivers of credit performance.
• Partner closely with Business, Product, Data Science, and other cross-functional teams to conceptualize and execute risk strategies and projects.
• Evaluate existing and proposed credit policies and translate portfolio insights into actionable risk interventions.
• Monitor key portfolio metrics including DPD buckets, roll rates, vintage curves, GNPA/NPA, collection efficiency, approval rates, losses, and portfolio yield.
• Use data to assess the impact of risk policies and strategies on portfolio growth, credit quality, and profitability.
• Perform data mining and analysis using SQL, Hive, Metabase, Python, and other relevant data tools.
• Build and implement basic scorecards, analytical frameworks, and risk rules in Business Rules Engines (BRE).
• Apply knowledge of PD, EAD, and LGD models to understand and evaluate Expected Credit Loss…
Links directly to the employer’s own application form. Free to apply.
What the pay looks like
Meesho has not published a salary for this role. That is normal — many employers only discuss pay once you reach the offer stage. Ask the recruiter for the range early so you do not spend weeks on a process that cannot meet your number.
Whatever figure you are quoted is CTC, not take-home. Employer PF, gratuity and any variable component sit inside it. Our in-hand salary calculator converts a CTC figure into a realistic monthly number.
Before you apply
Never pay to apply. No genuine employer charges a registration fee, security deposit or training cost. Any request for money is a scam, without exception.
Apply through the employer’s own domain. The button above points at Meesho’s careers portal. If you reach this role through a message or email instead, navigate to the company’s site yourself rather than following the link.
Hold back personal documents. Bank details and identity documents belong at the offer stage, confirmed over official company email — never during a chat-app conversation.
Common questions
Is this listing genuine?
Yes. The apply button links to the requisition on Meesho’s own applicant tracking system, not to a third-party form. TechJobs360 never charges candidates.
How current is it?
This listing was published on 2026-09-25 and is checked against the employer’s portal daily. If Meesho closes the requisition, the page is withdrawn. Openings can still close between checks, so treat the employer’s own portal as authoritative.
What are the eligibility requirements?
Meesho lists this as a 2-5 role. Exact eligibility — degree, batch year and cut-offs — is set by the employer and stated on the official posting.
How do I apply?
Use the apply button above. It opens Meesho’s official application form — there is no TechJobs360 step in between and no account needed here.
TechJobs360 is an independent career-information platform and is not the employer for this role. Eligibility, compensation and deadlines are set by Meesho and can change without notice. Always confirm current details on the official portal before applying. We never charge candidates a fee.
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