Head of Collections Analytics and Strategy

Posted 8 days agoViewed

💎 Seniority level: Lead, 5 to 10 years

📍 Location: Bengaluru, Karnataka, India, South Africa

🔍 Industry: Fintech

⏳ Experience: 5 to 10 years

🪄 Skills: SQLData AnalysisMachine LearningAlgorithmsData sciencePandasRisk ManagementData visualizationFinancial analysisData modelingA/B testing

5 to 10 years of credit risk experience with exposure to Fintech / retail banking credit risk (consumer loans) / NBFCs
Previous exposure to operational processes of a consumer lending product
Good understanding of recollection tools such as extensions, rescheduling, restructuring, waivers, debt sales.
Expert in credit risk analysis/underwriting principles, methods, and practices, including key data science concepts
Experience in setting up different A/B tests and building sensitivity analysis
Proficient SQL user, with reasonable experience with BI tools like Tableau, PowerBI, or similar
Strong quantitative analysis experience
Strong attention to detail and ability to notice discrepancies in data
Impeccable understanding of financial statements, ratios, and concepts
Strong communication skills

Define the strategy for credit risk across different portfolio segments
Do constant A/B tests on different strategies to find the optimal one
Advise the collections team on the intensity of actions needed on the portfolio
Find the optimal offers and pricing levels for loan extensions across different client segments to maximize the lifetime value of our lending clients
Work closely with the Data Science department to build a data-driven strategy
Work closely with the Product and Engineering team on improvements for the lending product
Maintain the risk policy and adherence thereof
Communicate the performance results with the respective stakeholders
Mentoring and coaching talents, scaling up the team as and when required