Data Analyst

Role Overview

We are looking for a detail-oriented and analytical data analyst to build dashboards, reports, and analytics that drive business decisions across our operations. You'll work with SQL, BI tools, and cross-functional teams to deliver insights on collections efficiency, payment operations, and customer metrics.

Key Responsibilities

Core Analytics & Reporting

• Build and maintain dashboards and reports for Collections, Payments, Customer Onboarding, and Risk teams
• Create KPI tracking systems for daily/weekly/monthly reporting on collection status, payment success rates, and funnel metrics
• Develop automated reporting solutions to replace manual processes and reduce operational overhead
• Provide ad-hoc analysis to support business decisions and identify trends

Data Quality & Integration

• Own data quality across key systems (Collections, Payments, CRM, Payment Gateways)
• Audit and reconcile data across sources (Zoho, Payment Gateways, NBFC systems, EMI/Check processing)
• Identify and escalate data gaps and inconsistencies to Engineering
• Document data schemas, definitions, and data lineage for stakeholders

Analytics for Core Operations

• Support Collections team: build visibility into payment failure patterns, collection protest trends, and anomalies
• Support Risk/Credit team: analyze credit assessment gaps, onboarding funnel drop-offs, and customer lifecycle metrics
• Support Finance: reconcile vendor payments, identify discrepancies, and trace payment flows for audit trails
• Analyze Onboarding funnel performance and track improvement against targets

Data Infrastructure & Optimization

• Work with Engineering to improve data ingestion pipelines and reduce manual data maintenance
• Identify data scalability risks (e.g., cost drivers, query performance) and recommend optimizations
• Contribute to data warehouse/lake design decisions and ETL improvements

Mandatory Requirement (Critical)

• SQL Expertise: Write complex queries, optimize query performance, work with relational databases (PostgreSQL, MySQL, or similar)
• BI proficiency - Tableau, Metabase, Data Studio, Power BI, or equivalent
• Data Storytelling: Create clear, actionable dashboards and communicate findings to non-technical stakeholders
• Data Validation: Experience identifying data quality issues, performing audits, and reconciling data across systems
• Platforms: Zoho CRM, Payment gateways, internal dashboards
• Problem-solving mindset - break ambiguous questions into actionable analysis

Qualifications & Experience

• 4+ years of experience in data analysis, analytics engineering, or business intelligence
• Proven track record building dashboards and reports that drive business decisions
• Experience working directly with SQL databases in a production environment

Preferred Profile

• Experience in fintech, payments, lending, or collections: Experience with lending platforms, payment systems, or NBFC operations
• OR equivalent: Strong domain knowledge in B2B SaaS, e-commerce, or operations analytics where you've worked with complex financial workflows
• Proficiency in Python or R
• Familiarity with data warehousing (dbt, Airflow) or APIs
• Background in risk analytics or credit assessment