Associate Director Portfolio & Collection Analytics

Position : Associate Director Portfolio and Collection Analytics

Location : Ahmedabad

About Lendingkart :

- Lendingkart is digital lending platform that facilitates working capital financing for entrepreneurs and small businesses in India through our network of affiliated lending partners. We have developed a technology platform powered by machine learning algorithms which use big data to help its affiliate lenders evaluate borrowers credit worthiness. Customers can apply for a loan using the web or mobile applications at their convenience and receive their sanctioned loans in as less as 3 days anywhere in the country.

- Lendingkart is the only lending company from India to be featured in the Top 50 most established fintech firms acclaimed in annual' 'Fintech100' report by KPMG, where they have uncovered the most innovative Fintech companies globally.

- Lendingkart is one of the leading fintech firms in the Indian lending space. It is backed by top-tier investors - Temasek (through its 100% subsidiary Fullerton Financial Services), Bertelsmann, Mayfield Fund, India Quotient and Saama Capital to name a few.

Roles and Responsibilities :

1. Support tactical and strategic projects with analytical input to aid organization take data backed decisions.

2. Conceptualize reports to track key business metrics and work with technology team to develop the dashboards.

3. Must be able to connect and establish credibility with stakeholders and support risk analytics related requests across all aspects of lending life cycle

4. Should be able to engage successfully across multiple projects in a fast-paced environment.

Portfolio :

1. Independently track and evaluate efficacy of existing underwriting policies; and work on developing new strategies to improve underwriting standards.

2. Analyzing portfolio trends and performance across dimensions like products, programs etc.; and propose recommendation for policy changes.

3. Ability to bring together diverse datasets from application, internal performance, and credit bureau for insights.

4. Develop statistical models to project portfolio-performance to aid in business planning.

Collection :

1. Utilize bureau data from scrubs and triggers to identify customer-segments to focus upon by collection team.

2. Develop statistical models for collection prioritization to improve efficiency of the collection process.

3. Improve collection efficiency by implementing VAR-based or risk-based strategy.

4. Tracking performance of new programs/ products using Early Warning Indicators; and establish their thresholds

5. Analysis of trends on metric like roll-forward rate, bounce rate across different dimensions like dpd bin, geography, agency, product etc.

Desired profile/Skills :

1. Bachelors/ Masters degree from a Tier-1 institute with strong quantitative aptitude and business acumen

2. High-level of proficiency in SQL and Excel. Hands-on experience in R/ Python is a must. Clear understanding of basic financial and statistical concepts is a plus.

3. At-least 5-7 years of previous experience in financial services/ credit bureau is highly desirable.

4. Ability to think logically, critically, and constructively about complex problems, clearly communicate findings and propose solutions that address expressed needs

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