Credit Risk Strategy Manager

About Pepper Advantage India

At Pepper Advantage India, you’ll be part of a global fintech innovator that’s shaping the future of

credit risk management. We offer an entrepreneurial environment, a collaborative culture, and

the opportunity to build impact at scale.

About the role

The AVP – Data Analytics & Collections Strategy will lead the analytical and strategic initiatives that drive the performance and effectiveness of Pepper Advantage’s collections operations. The incumbent will be responsible for developing, implementing, and continuously improving data-driven strategies, segmentation models, and performance frameworks that enable superior recoveries, cost efficiency, and client satisfaction.

This is a strategic leadership role requiring strong analytical acumen, hands-on technical skills, and a deep understanding of collections dynamics across retail loan portfolios.

Main Responsibilities

1. Strategy Development & Optimization

• Design, implement, and refine collections strategies across delinquency buckets (early, mid, late, and write-off).
• Build data segmentation and prioritization frameworks for tele-calling, field collections, and digital engagement.
• Identify and drive strategy levers to improve roll-rate, cure-rate, and overall recovery performance.

2. Data Analytics & Insights

3. Reporting & Performance Management

4. Technology & Digital Enablement

5. Governance & Compliance

Your skills

Key Performance Indicators (KPIs)

Pepper Advantage’s values and culture

Our mission is to help people succeed. Our clients, our customers, our employees. Our Values are ‘Can do’, ‘Balanced’ and ‘Real’.

Pepper Advantage’s values support our vision, shape our culture and define how we interact with other employees and the attitudes we adopt towards our customers and clients. The values of Pepper Advantage support the organisation’s mission statement.

Pepper Advantage’s unique outcome focused corporate culture aims to deliver fairness and value for clients and customers, consistently exceeding expectations in all measurable performance areas.

Pepper Advantage is an equal opportunities employer.

Role Profiles are subject to change in line with business needs.