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Lead Business Analyst
Lead Business AnalystCareerfit • Mumbai, Mumbai (district)
Lead Business Analyst

Lead Business Analyst

Careerfit • Mumbai, Mumbai (district)
21 days ago
Job description

Role : Lead Business Analyst

Department : Data Analytics

Location : Mumbai

Role Overview

We are looking for a Lead Business Analyst to drive data-led decisioning across customer funnels, credit risk, profitability, and product performance. The role combines business acumen with strong analytical depth helping shape product and risk strategy in a fast-scaling FinTech lending environment.

Key Responsibilities :

1. Funnel & Conversion Analytics-

  • Own the end-to-end loan funnel from application to first repayment.
  • Identify leakage points, analyse conversion drivers, and suggest optimizations across stages (lead →

KYC → underwriting → disbursal → 1st EMI).

  • Partner with Product and Growth teams to run A / B experiments improving user journey and
  • approval rates.

    2. Credit Risk & Portfolio Analytics-

  • Deep dive into risk funnel metrics (approval %, DPD0, bounce %, resolution %, roll rates, NPA).
  • Build and maintain early warning dashboards for portfolio health.
  • Design and evaluate risk segmentation frameworks — by bureau score, customer profile, and behavioural segments.
  • Work with credit policy teams to quantify impact of rule or scorecard changes.
  • 3. Profitability & Unit Economics-

  • Track product and cohort-level profitability (NIM, CAC, LGD, ROE).
  • Evaluate credit and pricing changes using simulation and scenario modelling.
  • Partner with finance to build forecasting models for portfolio growth, losses, and contribution
  • margins.

    4. Product & Strategy Insights-

  • Partner with Product Managers to track feature performance (usage, adoption, retention).
  • Translate funnel and risk insights into product roadmap inputs (e.g., automation, repeat loans, collection interventions).
  • Build narratives around data for leadership and board-level reviews.
  • 5. Leadership & Collaboration-

  • Lead and mentor a team of analysts on funnel, risk, and product tracks.
  • Collaborate closely with cross-functional teams – Risk, Product, Growth, Collections, and Finance.
  • Present actionable insights to senior stakeholders for strategic decisions.
  • Skills & Experience :

  • 5–8 years of experience in FinTech, NBFC, or digital lending in roles such as Business Analyst / Risk Analyst / Product Analyst.
  • Strong proficiency in SQL, Excel, and data visualization tools (Tableau).
  • Hands-on experience in risk and funnel analytics, and profitability modelling.
  • Solid understanding of credit lifecycle – from application to recovery.
  • Exposure to A / B testing, segmentation, cohort analysis, and data storytelling.
  • Experience with Python / R preferred.
  • Excellent communication and stakeholder management skills.
  • Good to Have :

  • Experience with behavioural or scorecard models (acquisition or early delinquency).
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    Lead Analyst • Mumbai, Mumbai (district)

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