Role: Risk & Collection Analytics Head

- Location: Mumbai, Andheri

- Experience: 10+ Years

- Qualifications: MBA / CA

- Employment Type: Full Time, Permanent

- Industry: Fintech / NBFC

Role Overview:

- Lead enterprise-wide Risk & Collection Analytics to control losses, optimize recoveries, and improve portfolio profitability.

- Partner with senior leadership to drive data-led decisions across sourcing, policy, fraud, and collections.

- Build scalable analytics capabilities that proactively manage risk and cost of credit.

Key Responsibilities:

Strategic Leadership & Governance:

- Set the vision, roadmap, and success metrics for Risk & Collection Analytics across the organization.

- Establish strong analytics governance, standardizing frameworks for segmentation, delinquency measurement, recovery prioritization, and performance tracking.

- Serve as a key contributor to credit strategy, sourcing policies, and collections operating models at leadership forums.

Portfolio Risk & Loss Management:

- Own analytical oversight of early delinquency, roll rates, flow rates, and vintage performance across products, geographies, sourcing channels, and partners.

- Drive proactive identification of emerging risk trends and translate insights into preventive policy actions and sourcing restrictions.

- Lead scenario analysis and stress testing to guide leadership decisions on risk appetite and portfolio expansion.

Collections & Recovery Optimization:

- Shape the end-to-end collections analytics framework, including risk-based allocation, channel strategy, and recovery prioritization.

- Drive reduction in C2X and downstream delinquency flows through segmentation-led interventions and optimized allocation strategies.

- Sponsor and scale agency accelerator programs and milestone-based campaigns to improve resolution speed, quality, and cost efficiency.

Cross-Functional Influence:

- Act as the single point of analytical leadership for Collections, Fraud Risk, Policy, and Business teams.

- Partner with field collections leadership to institutionalize feedback loops between ground realities and analytical models.

- Influence sourcing, underwriting, and fraud controls by embedding collections learnings upstream in the credit lifecycle.

Innovation & Transformation:

- Champion adoption of real-time bureau triggers, alternate data, and next-generation analytics to enhance collections effectiveness.

- Lead POCs and vendor partnerships, evaluating business impact and driving successful enterprise-wide rollouts.

- Continuously evolve analytical capabilities in line with portfolio scale, regulatory expectations, and market dynamics.

People Leadership:

- Build, lead, and inspire a high-impact analytics organization, developing future leaders and ensuring strong succession planning.

- Set performance standards, coach senior analysts/managers, and foster a culture of ownership, accountability, and business impact.

P&L Ownership & Executive Reporting:

- Own portfolio-level P&L analytics, with accountability for cost of credit, recoveries, and profitability levers.

- Present actionable insights, trade-offs, and recommendations to Executive Committee and Board-level stakeholders.

- Drive initiatives that deliver measurable, sustainable improvement in portfolio returns.