Credit Risk Analytics Advisor

Job Summary : We are seeking a seasoned and proactive Collections Analyst with extensive experience in credit card collections and operations analytics . The ideal candidate will have a strong command over collections strategy development, data analysis using SQL , and the ability to derive actionable insights from complex and unknown datasets. This role requires a strategic thinker who can collaborate cross-functionally, guide junior team members, and support business leaders in improving collection performance and reducing operational costs.

Key Responsibilities :

Develop and implement effective credit card collection strategies based on deep data insights and business objectives.

Drive collections analytics to support recovery teams in improving performance, reducing delinquencies, and optimizing operational costs.

Perform deep dives into large and complex datasets using SQL and other analytical tools to identify trends, patterns, and improvement areas.

Design, monitor, and optimize Champion-Challenger strategies to test new approaches and enhance collection outcomes.

Collaborate with business stakeholders across departments to present insights and drive data-informed decisions.

Lead and deliver multiple concurrent analytical projects with minimal supervision and high accuracy.

Mentor and support junior analysts in developing their analytics capabilities and understanding of risk management and collection processes.

Prepare and present clear, concise, and actionable presentations to senior stakeholders and cross-functional teams.

Required Skills & Qualifications :

Minimum 8 years of experience in credit card collections or operations analytics, preferably within BFSI or fintech sectors.

Deep understanding of credit card collections lifecycle, definitions, and performance metrics .

Advanced SQL skills are a must – ability to work with large, complex datasets and develop robust queries.

Proven experience in designing and running collections strategies and performance tracking models.

Strong business acumen with the ability to translate data into business insights and actions .

Excellent communication and interpersonal skills , with the confidence to present findings to senior leadership.

Ability to mentor and build analytical capabilities in others .

Highly organized, detail-oriented, and capable of managing multiple priorities in a fast-paced environment.