Software Developer - Risk Data Pipelines

About PayJoyAt PayJoy, our mission is to empower underserved customers in emerging markets by providing innovative credit solutions that promote financial stability and success. Our pioneering secured credit technology serves as a gateway for new customers to access the credit system. Through our point-of-sale financing and card offerings, we enable customers to enjoy a modern quality of life. Additionally, our credit solutions support our customers in seizing opportunities as micro-entrepreneurs and act as a safety net in challenging times. With our advanced machine learning, data science capabilities, and robust anti-fraud AI, we have successfully served over 18 million customers as of 2025 while maintaining a sustainable profit model for growth.Role OverviewWe are seeking a dynamic Credit Risk Manager to lead the credit risk analytics for PayJoy’s operations in the Philippines, based in our Bangalore hub. You will receive clear guidance on key challenges and frameworks, and it will be your responsibility to work independently to deliver results efficiently.This is a hands-on individual contributor position where you will engage with data daily—monitoring portfolio performance, analyzing policy shifts, and developing and sustaining the reporting systems essential for the Philippines credit risk function. A proactive approach is essential; you will take full ownership of your projects, identify risks early, and provide timely updates without needing reminders. This role offers a clear trajectory for team leadership as the Philippines business expands.

As a Credit Risk Operations Associate at Stripe, you will play a crucial role in supporting our mission by helping to manage credit risk effectively. You will be responsible for analyzing credit data, identifying risk trends, and collaborating with various teams to enhance our underwriting processes. You will work closely with data analytics and risk management teams to ensure our operations run smoothly and efficiently.

Job Purpose:The Credit Risk and IFRS9 Execution & Reporting Specialist plays a crucial role within the Group Credit Risk team, focusing on the PW & BB Portfolio. This position involves Group-level provisioning under IFRS 9, comprehensive credit risk reporting, and analysis of regulatory concerns, including asset quality, impairment, provision adequacy, coverage, as well as monitoring and reporting on the credit portfolio. Key responsibilities include:Conducting IFRS 9 staging and provisioning reviews in compliance with regulatory requirements and internal policies, including for international locations.Assisting in the evaluation of inputs and variables utilized in the development of various models such as Rating Models and IFRS9-related Probability of Default (PD) & Loss Given Default (LGD) models.Analyzing asset quality, impairment charges, coverage, and cost of risk across the PW & BB Portfolio within the FAB Group.Supporting the preparation and submission of detailed monthly dashboards and analysis reports.Maintaining a robust risk database for effective monitoring and reporting of credit risk.Assisting in portfolio stress analysis related to the PW & BB Portfolio.Contributing to specialized projects, budgets, and forecasts concerning the PW & BB Portfolio.Key Accountabilities:Policies, Systems, Processes & ProceduresAdhering to all relevant departmental policies and procedures to ensure controlled and consistent execution of work.Exemplifying compliance with the organization’s values and ethics to foster a value-driven culture within the bank.Continuous ImprovementEngaging in the identification of opportunities for process enhancement and collaborating with various teams including Risk, Business, Credit, Finance, Relations, and IT to streamline systems and processes.Job Context:Specific AccountabilityPW & BB – Credit Risk:Reviewing input data and coordinating with stakeholders, such as the PW & BB Credit and ERS teams, in the development, rollout, and maintenance of various models and scorecards.Conducting thematic portfolio stress testing and scenario analysis by providing relevant datasets.Supporting the annual budgeting and forecasting exercises for the PW & BB portfolio.IFRS 9 Execution and Reporting:Executing the IFRS 9 staging and Expected Credit Loss (ECL) review process in compliance with IFRS/local regulatory requirements and internal policies, providing flash reports to the line manager.Coordinating with the overseas Risk team to finalize IFRS 9 execution.Overseeing the approval process for staging and ECL overrides as needed under the IFRS9 Impairment policy.Supporting the annual review and update of IFRS9 impairment policies.

Join Toast, Inc. as the Lead for Credit Risk Analytics & AI Enablement, where you will play a pivotal role in driving data-driven decision-making and enhancing our AI capabilities. This position offers an exciting opportunity to lead a team of data scientists and analysts dedicated to understanding credit risk dynamics and implementing advanced analytics solutions.

Join First Abu Dhabi Bank as a Credit Management Specialist, where you will play a vital role in managing and optimizing our credit portfolio. You will collaborate closely with various teams to ensure effective credit evaluation, risk management, and compliance with regulatory standards. This position is ideal for detail-oriented professionals who thrive in a fast-paced environment.

Join Meesho as a Program Manager in the Risk and Collection team, where you will play a pivotal role in our financial operations. You will be responsible for developing and managing strategies that mitigate risks and enhance our collection processes, ensuring a seamless experience for our users.Your expertise will help drive initiatives that improve our financial performance while maintaining compliance with industry standards. If you are passionate about risk management and collections, and thrive in a dynamic environment, we encourage you to apply!

Join Stripe as a Technical Program Manager specializing in Risk Management. In this role, you will leverage your expertise to oversee complex projects that enhance our risk assessment strategies and improve overall operational efficiency. You will collaborate with cross-functional teams to identify potential risks, develop mitigation strategies, and implement solutions that align with our company’s vision.

Payoneer is hiring a Director of Risk for the Checkout Business Unit in Bangalore, India. This position centers on shaping and executing risk management strategies for payment solutions. The role involves direct leadership of a team focused on maintaining strong security and compliance standards while supporting business growth. Key responsibilities Lead and mentor the risk management team within the Checkout Business Unit Create and improve risk frameworks that align with business objectives Supervise procedures to identify, assess, and address potential risks Maintain security and compliance for payment solutions, ensuring adherence to regulations Direct the team in developing and applying risk mitigation strategies Role focus This leadership role requires hands-on involvement in both strategy and daily operations. The Director will work closely with the team to identify risks and implement effective controls, supporting Payoneer’s commitment to secure, compliant payment products.

About BureauAt Bureau, we recognize that behind the seamless digital transactions that billions engage in daily lies a significant challenge: digital fraud and mistrust. With global losses surpassing US$486 billion each year, critical questions arise for businesses: “Who are you?” and “Can I trust you?” We provide the answer.Bureau stands as an integrated platform for identity decision-making, fraud prevention, and compliance assurance. We are dedicated to enhancing security and compliance while simplifying identity management for organizations. Our workplace fosters a culture of leadership, open communication, and idea generation where every voice is important. Our core values—confidence, growth, customer obsession, and speed—drive us to excel daily. Think of Bureau as your career launchpad.In just a few years, we have developed a knowledge graph comprising over 1 billion verified identities worldwide. Supported by Sorenson Capital and PayPal Ventures, Bureau is rapidly scaling while revolutionizing the landscape of digital trust.Position OverviewWe are seeking a seasoned and proactive Fraud and Risk Product Manager to join our innovative team. This essential role merges extensive technical knowledge with substantial client engagement, focusing on empowering organizations to tackle the ever-evolving threats of fraud through advanced risk management solutions and strategic product utilization. If you thrive on overcoming intricate challenges, excel at translating technical solutions into concrete business value, and flourish in collaborative settings, we invite you to apply.

Join our dynamic team at First Abu Dhabi Bank as a Senior Analyst in Technology Risk Management. In this pivotal role, you will play a crucial part in identifying, assessing, and mitigating technology-related risks that could impact our operations. You will collaborate with various stakeholders to ensure compliance with regulatory requirements and promote a culture of risk awareness across the organization. Your analytical skills will be key in evaluating existing controls and developing strategies to enhance our risk management framework.

About Our TeamAre you ready to embark on a journey to revolutionize financial inclusion in Bharat? Join us at Meesho as we strive to create a unicorn within a unicorn! Our Financial Services (FS) division represents one of our most significant strategic initiatives, aiming for exponential growth in the coming years. Just like Ant Financial transformed Alibaba and Mercado Pago elevated Mercado Libre, we envision building robust financial services that will drive growth and revenue for Meesho. Having established our Product-Market Fit and successfully navigated the initial phases of our journey, we are now seeking a visionary individual to spearhead our next growth chapter—transitioning from 10-100-1000. This role promises to be one of the most exhilarating and fulfilling experiences in your career.As part of the Financial Services team, we prioritize results while ensuring that learning and enjoyment are part of our journey.About the RoleIn this pivotal phase of our FS journey, lending will be our primary focus, with risk management at the heart of establishing a sustainable, scalable credit business. A key challenge lies in how we assess the risk of borrowers who lack credit histories. We need to explore alternative data sources to better profile our borrowers and leverage our platform to gain a sustainable competitive edge. You will take the lead in developing policies, driving data science initiatives, and conducting analytics to address these critical questions. Your responsibilities will include refining existing policies, creating analytical frameworks, developing robust analyses, and translating insights into actionable strategies. Initially, your role will involve designing credit policies based on Meesho platform data, bureau data, and alternative data, as well as building scorecards and models for approval. You will also design experiments to analyze cohort behavior and experimental policies, while automating portfolio reporting and tracking key performance indicators across various levels.

At Toast, we empower restaurants and local businesses to thrive in a digital landscape, enabling owners to operate efficiently, boost sales, foster customer engagement, and maintain employee satisfaction. Our mission is to build a comprehensive restaurant platform that enables businesses to adapt, take charge, and focus on their passion: cultivating the restaurants they love. With an unwavering commitment to our customers, the Toast team is equipped to assist restaurants in navigating challenging times through innovative technology, valuable resources, and a supportive community. Our purpose-built technology, crafted by industry experts, ensures that we meet today’s needs while investing in future experiences that will enhance the restaurant landscape. Bready* to make a change?As a Senior Analyst within our Model Risk Management team, you will play a pivotal role in overseeing the Model Risk Program, which encompasses conducting model validation reviews, managing the model risk inventory, and tracking model performance, particularly concerning Fraud and Generative AI Models. Collaboration with our Data Science Team, architects, engineers, and product managers will be key as you evaluate the risks associated with model design, implementation, and utilization across various product lines.A day in the life (Responsibilities) Lead the execution of the Second Line of Defense (2LOD) Model Risk Management (MRM) program for high-risk models, focusing on Fraud detection models (Transaction Fraud & Merchant Fraud) and Generative AI / LLM-based systems deployed across Toast.Support the enhancement of the Model Risk Management framework, including policies, procedures, validation standards, governance documentation, templates, and best practices in alignment with evolving regulatory and industry standards.Implement model lifecycle standards across development, implementation, monitoring, recalibration, change management, governance, and decommissioning, ensuring robust controls for traditional ML models and GenAI systems (e.g., RAG architectures, copilots, AI-assisted decision tools).Contribute to the creation, risk-tiering, and ongoing maintenance of a comprehensive model inventory, encompassing assessments of model impact, intrinsic risk (complexity and methodology), reliance on model outputs, and emerging AI-specific risks.Conduct independent model validation reviews under senior leadership guidance, focusing on conceptual soundness,...

About Paytm: Paytm stands as India’s premier mobile payments and financial services platform, revolutionizing the mobile QR payment landscape in the country. Our commitment lies in empowering small businesses through innovative technologies that facilitate seamless payments and commerce. Paytm aims to onboard half a billion Indians into the formal economy leveraging cutting-edge technology.About the Team: Join our dynamic Fraud & Risk Operations team as an Associate or Senior Associate, where your expertise will be pivotal in safeguarding our platform.About the Role: You will be responsible for reviewing and managing alerts triggered by defined parameters related to fraud and risk. Your analytical skills will enable you to document findings and thoroughly analyze information to uncover patterns and trends. You will also be expected to provide actionable insights to internal teams based on your analysis.Key Responsibilities:Analyze data to derive insights into merchant transaction behaviors and identify potential risk trends, translating these into effective risk strategies.Engage with merchants via calls and emails to logically review and resolve alerts.Perform thorough reviews to identify and mitigate potentially fraudulent activities.Support fraud detection processes through management reporting and automated workflows.Collaborate with both internal and external stakeholders.Conduct transaction data analysis across merchant platforms to provide insights into trends and customer behaviors.Manage risk cases, ensuring timely investigation and follow-up.Refine key risk indicators used on the platform and identify opportunities to enhance data quality.Utilize open-source searches to gather relevant information for investigations.Capture and document information in accordance with KYC policies.Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for merchants.Flexibility to work in rotational shifts is essential.Qualifications:A minimum of 1 to 3 years of relevant experience.Excellent verbal and written communication skills.Proactive, self-driven, and possess strong analytical capabilities.Strong interpersonal skills and an understanding of technology and user experience.

Netradyne is at the forefront of transforming the transportation landscape through innovative Computer Vision and Edge Computing solutions. As a leader in fleet safety technologies, our remarkable growth—over 4x year on year—has established our offerings as a pivotal disruptive force. We are expanding our team and seek visionary and competitive individuals to drive our continued success.JOB DESCRIPTIONSenior/Staff Engineer – InfoSec Risk & ComplianceLocation: Bengaluru, India | Department: Information SecurityExperience Level: 6-9+ years | Employment Type: Full-Time, Permanent Take the lead in enhancing our compliance transformation and overseeing security governance at Netradyne. You will spearhead the implementation of our enterprise GRC platform, manage comprehensive audits across multiple frameworks (including ISO 27001/42001, SOC 2, and HIPAA), and facilitate customer compliance initiatives that drive enterprise revenue growth. KEY RESPONSIBILITIESFacilitate Audit & CertificationChampion ISO 42001 (AI governance), SOC 2 Type II, RED Directive EN 18031, ISO 27001, and HIPAA compliance programs.Develop and execute a vendor risk assessment program with clear SLA enforcement.Oversee external audits, ensuring timely certification and compliance.GRC Platform ImplementationLead the deployment and configuration of our enterprise GRC tool across all compliance frameworks.Establish automated processes for evidence collection, remediation tracking, and compliance reporting.Create executive risk dashboards and governance reports for informed decision-making.Customer Compliance & RevenueDevelop a framework for RFP/RFI responses, reducing turnaround times to less than 10 business days.Construct a customer-facing Trust Centre portal to streamline RFP volume management.Handle customer security questionnaires and provide comprehensive account support.Risk Optimization & International SupportDesign a quarterly self-assessment (QSA) process leveraging GRC automation.Maintain an AI risk register addressing model degradation, bias, and privacy risks.Support compliance expansion in 15 countries, addressing regulations such as GDPR.

As a Risk Screening Analyst at Payoneer, you will play a vital role in safeguarding our financial ecosystem. You will be responsible for analyzing and assessing potential risks associated with our clients and transactions. Your keen analytical skills and attention to detail will ensure compliance with regulatory standards and help mitigate risks effectively.

About PayJoyPayJoy is a mission-driven credit provider focused on empowering under-served customers in emerging markets, guiding them towards financial stability and success. Our innovative technology for secured credit offers a pathway for new customers to access the credit system. With PayJoy's point-of-sale financing and credit card solutions, customers can enjoy a modern lifestyle. Our services also empower customers to become micro-entrepreneurs and serve as a safety net in challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI, we have successfully served over 18 million customers by 2025 while maintaining sustainable profitability.Role OverviewThe Country Manager will play a pivotal role in PayJoy's expansion in India, leading our growth strategy. This is a dynamic role where you will develop the India go-to-market strategy, establish the local organization, and spearhead PayJoy's initial originations in one of the most intricate consumer credit landscapes globally. You will be responsible for the complete P&L and act as PayJoy's primary representative for retailers, OEM partners, lenders, and regulators. The ideal candidate will blend strategic insight with a strong execution mindset. You will have experience in building teams from the ground up in India, managing a regulated financial services entity under RBI supervision, forging partnerships with device manufacturers and distribution channels, and thoughtfully navigating lending economics and capital allocation. PayJoy is dedicated to fostering a vibrant and diverse workforce, and we strongly encourage women and underrepresented groups to apply.

About BureauBureau is a cutting-edge risk decisioning platform that addresses Compliance, Fraud, and Transaction risks. Our innovative platform serves as a centralized decision-making engine, powered by an extensive identity knowledge graph with over 1 billion data points. Trusted by more than 150 banks, fintechs, retailers, and digital platforms, Bureau enables rapid identity verification and early fraud detection on a global scale.With over $50 million raised from esteemed Silicon Valley and international investors, including Sorenson Capital and PayPal Ventures, Bureau is on an ambitious growth trajectory that spans from the APAC region to the Americas, Europe, and beyond.Why Join Bureau?At Bureau, we are dedicated to building the infrastructure that ensures digital identities and transactions are safe and reliable for billions of individuals worldwide. Our mission is significant, the challenges we face are complex, and the impact of our work is profound.We seek individuals who embrace responsibility and thrive in dynamic environments. If you are someone who acts swiftly, builds systems from the ground up, and is passionate about translating strategies into actionable results, then you will find a fulfilling opportunity here. However, if you prefer a predictable and narrowly defined role, this may not be the right fit for you. If you want to influence how a rapidly scaling global company operates, continue reading.Your RoleAs the Director of Revenue Operations, you will be responsible for designing and overseeing the entire revenue lifecycle. Your main objective will be to ensure that every dollar spent on go-to-market (GTM) efforts translates into predictable, high-margin Annual Recurring Revenue (ARR) while minimizing the disparity between marketing leads and recognized revenue.

About the Team: At Meesho, we are pioneering a cutting-edge Business Advisory, Governance, and Risk function that transcends traditional audit and compliance. Our mission is to actively influence sustainable business growth. This team operates at the crossroads of strategy, operations, and risk, collaborating closely with leadership to identify control deficiencies, enhance processes, establish business operation frameworks, and unlock efficiencies throughout the organization. We are dedicated to fortifying governance frameworks and facilitating quicker, smarter decision-making, playing an essential role in Meesho’s journey of growth. We embrace a first-principles approach, prioritizing action and fostering deep cross-functional collaboration. Team members enjoy exposure across various domains including business, product, supply chain, and finance, ensuring a steep learning curve and significant impact. We not only strive for high performance but also value a strong team culture, ownership, and collective success. About the Role: This is a high-profile leadership position with direct access to the Audit Committee (AC). You will play a crucial role in reinforcing governance by presenting key findings, risk insights, and control frameworks to the Audit Committee and senior leadership. The role will report directly to the CFO & Audit Committee, ensuring independence, objectivity, and robust oversight across Meesho’s risk and control landscape. Your responsibility extends beyond safeguarding the organization; you will act as a strategic advisor, influencing decisions that enhance efficiency, scalability, and resilience.

Role overview Sumo Logic seeks a Senior Security Analyst based in Bangalore, Karnataka, India. This position is dedicated to improving the security of company systems and applications. The analyst will focus on protecting organizational assets by identifying risks and putting effective safeguards in place. What you will do Find and assess vulnerabilities in systems and applications Carry out risk assessments to identify potential threats Apply security controls and measures to minimize risk Respond to security incidents with strong analytical skills Assist with compliance efforts related to industry security standards