Key & Strategy :
- Develop and implement analytical frameworks to track and enhance recovery rates, cure rates, roll rates, and vintage analysis.
- Design and monitor Early Warning Systems (EWS) and risk segmentation models to pre-empt delinquency.
- Perform portfolio analysis to identify high-risk segments and suggest proactive measures.
- Provide actionable insights through dashboards and MIS reports for senior management.
Modeling & Forecasting :
Develop and maintain predictive models (scorecards, behavioral models, collection propensity models).Forecast delinquency trends and collection efficiency across DPD buckets and products.Use machine learning and statistical techniques to improve recovery targeting.Collection Efficiency & Performance Management :
Monitor and optimize collection strategy effectiveness across in-house, field, and agency collections.Provide data-driven inputs to improve tele-calling, field visit, and legal recovery strategies.Track collection KPIs such as Resolution Rates, Recovery Rates, CE (Collection Efficiency), Rollback Rates, etc.Technology & Automation :
Lead automation initiatives for data ingestion, reporting, and dashboards using tools such as SQL, Python, Power BI / Tableau, SAS / R.Collaborate with tech and product teams to enhance data pipelines and reporting infrastructure.Stakeholder Management :
Collaborate with Risk, Credit, Product, Legal, and Operations teams to drive portfolio performance.Present regular insights and strategy updates to the senior management and Bachelor's or Master's degree in Statistics, Mathematics, Engineering, Finance, or related quantitative field. MBA 7-10 years of experience in Portfolio Analytics, preferably in a Bank or NBFC.Strong exposure to retail lending products (personal loan, business loan, vehicle finance, etc.)Technical Skills :
Proficient in SQL, Python / R, Excel; working knowledge of Power BI / Tableau.Experience with statistical modeling, segmentation, and scoring techniques.Soft Skills :
Strong analytical and problem-solving skills.Excellent communication and presentation abilities.Team leadership and cross-functional collaboration.Key Performance Indicators (KPIs) :
Reduction in delinquency and NPA levels.Accuracy and impact of predictive models.Improvement in collection efficiency.Timeliness and accuracy of dashboards and MIS.Adoption of data-driven strategies by the collection teams.(ref : iimjobs.com)