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kreditbee - Senior Data Analyst - Loan Origination System

kreditbee - Senior Data Analyst - Loan Origination System

KreditbeeBangalore
30+ days ago
Job description

Location : Bangalore

Experience : 3-4 years in Data Analytics (preferably in Fintech / NBFC Lending)

Role Summary :

The Senior Data Analyst will play a pivotal role in shaping the LAP portfolio strategy by delivering data-driven insights across credit, collections, customer behavior, and channel performance. You will collaborate cross-functionally with Product, Credit, Risk, and Technology teams to optimize end-to-end lending operations.

Key Responsibilities :

Business & Performance Analytics :

  • Develop real-time dashboards and reports to monitor LAP disbursements, sourcing funnels, and collection efficiency.
  • Provide deep-dive analysis on key metrics like yield, NPAs, bounce rates, TATs, and approval / rejection ratios.
  • P&L analysis with actionable insights

Risk & Credit Insights :

  • Work closely with the credit and risk teams to refine underwriting rules using data.
  • Analyze borrower profiles to optimize approval rates and minimize delinquencies.
  • Build early warning systems for identifying at-risk accounts and segments.

    • Customer & Channel Analytics :

  • Segment customers using demographic, financial, and behavioral data to drive better targeting and engagement.
  • Analyze DSA and channel partner performance; optimize sourcing efficiency and partner payouts.
  • Monitor cross-sell, top-up to identify growth opportunities.

    • Product & Pricing Strategy :

  • Evaluate pricing effectiveness using portfolio performance and competitor benchmarks.
  • Analyze impact of product changes on conversion, risk, and profitability.

    • Process & Funnel Optimization :

  • Use funnel data to identify drop-offs and TAT issues in the digital LOS / LMS journey.
  • Recommend workflow enhancements to improve user experience and reduce operational frictions.

    • Advanced Analytics & Modeling :

  • Build and maintain models for credit risk, prepayment, bounce prediction, etc., using machine learning or statistical techniques.
  • Leverage alternate data sources (GST, bank statements, bureau data, property valuation) for deeper insights.

    • Required Skills & Qualifications :

  • Bachelor's / Master's degree in Statistics, Mathematics, Computer Science, Economics, or similar field
  • 3-4 years of analytics experience in lending - ideally with a Fintech, NBFC, or Digital Lending platform
  • Strong command of SQL and Python for data analysis and modeling
  • Experience with BI tools like Power BI, Tableau
  • Understanding of LAP-specific metrics (LTV, FOIR, property type impact, delinquency buckets, etc.)
  • Exposure to LOS / LMS / lending systems
  • Strong business acumen, with the ability to convert data into strategy
  • Experience working in agile, cross-functional product and tech environments

    • Good to Have :

  • Experience with alternate underwriting data (e.g., GST, bank statement parsing, social data)
  • Exposure to bureau data analytics (CIBIL, CRIF)
  • Familiarity with property verification technology, or geolocation-based analysis

    • (ref : hirist.tech)

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    Senior Data Analyst • Bangalore