EarlySalary - Senior Data Analyst - Collection Analytics

About EarlySalary:

EarlySalary is an instant line of credit to young working Indians. EarlySalary is a pioneer in introducing instant loans & salary advances and has disbursed over Rs.4,000Cr worth of loans on its platform and currently disbursed nearly 100,000 loans a month and is considered one of the largest Digital Consumer FinTech Lender in the country.

EarlySalary is a series C funded start-up and has raised multiple rounds of investment from global investors including Eight Roads (Fidelity) Ventures & Chiratae (IDG) Ventures and is considered one of the fastest-growing FinTech start-ups in India. With a clear focus to disrupt the finance and banking domain, EarlySalary has built a strong team focused on build Technology, mobile platform, Risk & AI/ML models to better decisioning and real-time lending.

As a full-stack lender we manage both sides of the business building better technology and products for powering our lending platform and build ML models for better risk mitigation and giving real-time decisions to our customers.

Our ML & Risk Analytics Stack & Practice is focused on building a better Risk Score Card & building a high amount of automation. EarlySalary is considered one of the fastest & most automated lenders in the Industry.

Job Title: Sr. Data Analyst - Collection Analytics

Experience : 2-5 Years

Job location : Pune

Technical capability :

- Hands-on experience with SQL (or similarly structured on the non-structured database)- (Data Extraction, Joints, Window functions, Subquery)

- Hands-on experience with Tableau or any reporting tool (Quicksight is used)

- Experience in python (R Python) will be an added advantage

- Pandas- library used for transformation of tabular data (Intermediate experience)

ROLE & RESPONSIBILITIES:

- The successful candidate will be responsible for developing, analysing, and executing ideas and initiatives.

- Use sophisticated analytical techniques to solve a business problem specific towards Collections &Recovery and build collections strategy around the portfolio.

- To develop customer risk strategies, segmentation and profiles, using data science based tools and techniques for driving collections & recovery management.

- To work closely with risk and underwriting team for improvement in collections and closing the feedback loop on the delinquent cases.

- Design modules for advanced score card development and analytical tools and understand the impact of deployed models

Preference and Experience :

- 2+ years of experience in an analytical capacity required in lending domain

- Ability to work with a large amount of data (size in TB- s)

- Extensive coursework/experience in quantitative analysis & statistical modelling in consumer credit risk will be a plus.

- Exposure of consumer credit risk management, Credit Profit & Loss Drivers preferred

- Prior experience in banking or nbfc (credit cards or personal loan) will be a plus

- Detailed-oriented, high level of intellectual curiosity and strong sense of ownership.

- Demonstrated ability to multi-task effectively and work against tight deadlines

- Good business acumen and the ability to connect analytics with business decisions

- Good Problem solving and Structured thinking/ Data interpretation

Academic qualifications: Degree in Statistics, Physics, Applied Mathematics, Operations Research, Econometrics, Engineering, or another quantitative discipline