Head - Portfolio Strategy (Analytics)

Location: Mumbai

Experience: 10 - 15 Years

Role Overview:

We are looking for a strategic and analytical leader to head Portfolio Strategy for our lending business. The role will be responsible for driving portfolio performance through data-driven decision-making, credit strategy, customer lifecycle management, and portfolio optimization. Working closely with Business, Risk, Product, Finance, and Data Science teams, this leader will identify growth opportunities while maintaining portfolio profitability and risk quality.

Key Responsibilities:

- Develop and execute portfolio strategies to optimize growth, profitability, and credit performance.

- Monitor portfolio health across acquisition, customer behavior, delinquencies, collections, and profitability.

- Build data-driven strategies for customer segmentation, line assignment, pricing, underwriting, cross-sell, and portfolio expansion.

- Design and evaluate champion-challenger strategies and A/B tests to improve portfolio performance.

- Partner with Risk, Product, Business, Finance, and Data Science teams to implement portfolio initiatives.

- Develop dashboards and analytical frameworks to track key portfolio and business KPIs.

- Generate actionable insights using advanced analytics to support strategic decision-making.

- Forecast portfolio performance and recommend interventions based on changing market conditions.

- Lead a high-performing analytics team and foster a culture of innovation and experimentation.

Key Requirements:

- 10 - 15 years of experience in Portfolio Strategy, Credit Strategy, Risk Analytics, or Decision Science within NBFCs, Banks, or FinTech.

- Strong expertise in lending products such as Personal Loans, Consumer Lending, Credit Cards, or Digital Lending.

- Hands-on experience with SQL, Python/R, advanced analytics, and portfolio modeling.

- Strong understanding of credit risk, pricing, portfolio management, customer lifecycle, and P&L drivers.

- Proven experience influencing business decisions through analytics and data.

- Excellent stakeholder management and leadership skills.

Success Metrics:

- Improved portfolio profitability and return on assets.

- Sustainable portfolio growth with controlled credit losses.

- Reduction in delinquency and improvement in collection performance.

- Successful implementation of data-driven portfolio strategies.

- Timely delivery of analytics-driven business insights and strategic recommendations.

- Personal Loan Portfolio and Fintech experience.