Business Analyst - Assistant Manager - Lending
Paytm
🇮🇳 India
On-site
Manager or above
1 week ago
- Excel
- SQL
- Power BI
- Tableau
- Python
- SAS
1 week ago
Role OverviewWe are seeking a data-driven Collections & Analytics Specialist with 2+ years of experience to manage daily business-as-usual (BAU) operations, MIS reporting, and analytical strategy development. In this role, you will bridge the gap between raw collections data and high-impact strategy—optimizing resource allocation, automating reporting workflows, and applying predictive segmentation to improve recovery rates and minimize credit losses.
Key Responsibilities
Collections Daily BAU & MIS Management Allocation Management: Handle daily portfolio allocations to internal collection teams, telecallers (TC), field agents, and external agencies.MIS Reporting: Create, maintain, and publish daily, weekly, and monthly MIS dashboards and executive PPT decks for key stakeholders and regional teams.Performance Tracking: Monitor daily run rates (DRR) across FTEs, telecalling, field teams, and agencies to track resolution progress.Process Automation: Continuously enhance existing reports, develop new tracking tools, and automate manual data workflows to increase overall team productivity.Collections Analytics & Strategy Formulation: Assist in developing and refining the bank’s master Collections Strategy document to ensure standardized execution across all channels.Segmentation & Modeling: Perform behavioral customer segmentation and leverage statistical/predictive modeling to tailor recovery strategies across different risk buckets.Champion-Challenger Testing: Design and execute champion-challenger frameworks—supported by cost-benefit analyses—to test and scale high-performing recovery tactics.Loss Forecasting & Performance Metrics: Break down loss forecasts into collection roll rates and recovery rates, while monitoring Account-to-Collection Ratios (ACR) by bucket.DCA & Agency Optimization: Analyze agency performance and implement targeted strategies for Direct Recovery Agents (DCA).Compliance & Governance: Align collection strategies with regulatory requirements to ensure individualized, compliant customer contact practices.
Qualifications & Requirements
Experience: Minimum 2 years of hands-on experience in Collections BAU, MIS reporting, or Collections Analytics within Banking, NBFC, or Fintech environments.Technical Skills: Advanced Proficiency in Excel, SQL, and BI tools (Power BI/Tableau); experience with statistical modeling tools (R, Python, or SAS) is a plus.Analytical Capability: Strong aptitude for quantitative analysis, structured/unstructured big data handling, and financial modeling (roll rates, loss forecasting).Communication: Clear presentation and stakeholder management skills to translate complex data into actionable executive insights
Join UsA collaborative, output-driven environment that brings cohesiveness across businesses through technology.Opportunities to improve Average Revenue Per User (ARPU) by unlocking massive cross-sell opportunities across Paytm’s user base.A solid 360 circle feedback culture supported by peer teams aligned with your goals.
Compensation :If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!
Business Analyst - Assistant Manager - Lending · Paytm