SMFG India Credit - Assistant Vice President - Analytics - Collection Data

Key Responsibilities:

Analytics & Strategy:

- Develop and implement analytical frameworks to track and enhance recovery rates, cure rates, roll rates, and vintage analysis.

- Design and monitor Early Warning Systems (EWS) and risk segmentation models to pre-empt delinquency.

- Perform portfolio analysis to identify high-risk segments and suggest proactive measures.

- Provide actionable insights through dashboards and MIS reports for senior management.

Modeling & Forecasting:

- Develop and maintain predictive models (scorecards, behavioral models, collection propensity models).

- Forecast delinquency trends and collection efficiency across DPD buckets and products.

- Use machine learning and statistical techniques to improve recovery targeting.

Collection Efficiency & Performance Management:

- Monitor and optimize collection strategy effectiveness across in-house, field, and agency collections.

- Provide data-driven inputs to improve tele-calling, field visit, and legal recovery strategies.

- Track collection KPIs such as Resolution Rates, Recovery Rates, CE (Collection Efficiency), Rollback Rates, etc.

Technology & Automation:

- Lead automation initiatives for data ingestion, reporting, and dashboards using tools such as SQL, Python, Power BI/Tableau, SAS/R.

- Collaborate with tech and product teams to enhance data pipelines and reporting infrastructure.

Stakeholder Management:

- Collaborate with Risk, Credit, Product, Legal, and Operations teams to drive portfolio performance.

- Present regular insights and strategy updates to the senior management and board.

Education:

- Bachelor's or Master's degree in Statistics, Mathematics, Engineering, Finance, or related quantitative field. MBA preferred.

Experience:

- 7-10 years of experience in Portfolio Analytics, preferably in a Bank or NBFC.

- Strong exposure to retail lending products (personal loan, business loan, vehicle finance, etc.)

Technical Skills:

- Proficient in SQL, Python/R, Excel; working knowledge of Power BI/Tableau.

- Experience with statistical modeling, segmentation, and scoring techniques.

Soft Skills:

- Strong analytical and problem-solving skills.

- Excellent communication and presentation abilities.

- Team leadership and cross-functional collaboration.

Key Performance Indicators (KPIs):

- Reduction in delinquency and NPA levels.

- Accuracy and impact of predictive models.

- Improvement in collection efficiency.

- Timeliness and accuracy of dashboards and MIS.

- Adoption of data-driven strategies by the collection teams.