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SMFG India Credit - Assistant Vice President - Analytics - Collection Data

SMFG India Credit - Assistant Vice President - Analytics - Collection Data

SMFG INDIA CREDIT COMPANY LIMITEDNavi Mumbai, India
1 day ago
Job description

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)

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