Data Analyst - Collection

We are seeking a highly analytical and business-oriented Data Analyst to support the Collections function of our NBFC. The role will be responsible for generating actionable insights, developing performance dashboards, analyzing portfolio behavior, monitoring collection efficiency, and supporting data-driven decision-making across collections operations. The ideal candidate should possess strong python, SQL, data modeling, and data visualization skills; experience working with large-scale lending datasets; and a deep understanding of collections, delinquency management, and portfolio monitoring within the financial services industry.

The core responsibilities for the job include the following:

Collections Performance Analytics:

• Analyze collection performance across products, geographies, agencies, and collection channels.
• Monitor key collection KPIs such as: Roll Rates, Cure Rates, Bucket wise resolutions, Channel Efficiency, Promise-to-Pay (PTP) Effectiveness.
• Identify trends, leakages, and opportunities to improve collection outcomes.

Portfolio Monitoring:

• Track delinquency movement across DPD buckets.
• Perform vintage, cohort, and flow-rate analysis.
• Monitor early warning indicators and emerging portfolio risks.
• Analyze customer behavior patterns leading to delinquency.

Dashboard and Reporting:

• Develop and maintain automated dashboards and MIS reports for senior management.
• Build self-service reporting capabilities using BI tools and real-time reporting systems.
• Ensure data accuracy and consistency across reporting systems.

Collections Strategy Support:

• Support collections strategy team with segmentation and targeting analysis.
• Identify customer segments for differentiated collection treatments.
• Measure effectiveness of collection campaigns and interventions.
• Conduct A/B testing and impact assessment of new collection strategies.

Stakeholder Management:

• Partner with Collections Operations, Risk, Product, Technology, and Finance teams.
• Present analytical findings and recommendations to business leaders.
• Translate business requirements into analytical solutions.

Requirements:

• Bachelor's degree in Engineering, Statistics, Mathematics, Economics, Computer Science, or a related field.
• Master's degree (MBA/PGDM/Analytics) preferred.
• Experience: 5-7 Years.
• Advanced SQL (mandatory).
• Strong proficiency in Python for data analysis.
• Experience with BI tools - preferably Tableau.
• Strong knowledge of Excel, including Power Query and advanced formulas.
• Advanced ML and classical modeling techniques understanding.
• Experience working with large datasets (millions of records).

Database and Data Warehouse Knowledge:

• Experience with databases such as Oracle, PostgreSQL, Hadoop/Hive etc.
• Knowledge of cloud data platforms such as Amazon Redshift, Snowflake etc.

Domain Knowledge:

• Strong understanding of lending and collections processes in NBFCs, Banks, or FinTech organizations.
• Knowledge of DPD buckets, collections flow, portfolio risk metrics, recovery analytics, etc.

Data Management and Automation:

• Extract, transform, and analyze data from multiple source systems, including Loan Management Systems (LMS), Collection Management Platforms, and CRM Systems. Automate recurring reports and reduce manual effort through scripting and dashboarding.
• Work closely with Data Engineering teams to improve data quality and availability.

Preferred Experience:

• Experience in retail lending products such as: Personal Loans, Business Loans, Vehicle Loans, Home Loans etc.
• Experience working with collection dialer systems and digital collection platforms.
• Exposure to predictive analytics, scorecards, and collections modeling.

Skills

Loans