Location : Bangalore

Experience : 3-4 years in Data Analytics (preferably in Fintech/NBFC Lending)

Role Summary :

The Senior Data Analyst will play a pivotal role in shaping the LAP portfolio strategy by delivering data-driven insights across credit, collections, customer behavior, and channel performance. You will collaborate cross-functionally with Product, Credit, Risk, and Technology teams to optimize end-to-end lending operations.

Key Responsibilities :

Business & Performance Analytics :

- Develop real-time dashboards and reports to monitor LAP disbursements, sourcing funnels, and collection efficiency.

- Provide deep-dive analysis on key metrics like yield, NPAs, bounce rates, TATs, and approval/rejection ratios.

- P&L analysis with actionable insights

Risk & Credit Insights :

- Work closely with the credit and risk teams to refine underwriting rules using data.

- Analyze borrower profiles to optimize approval rates and minimize delinquencies.

- Build early warning systems for identifying at-risk accounts and segments.

Customer & Channel Analytics :

- Segment customers using demographic, financial, and behavioral data to drive better targeting and engagement.

- Analyze DSA and channel partner performance; optimize sourcing efficiency and partner payouts.

- Monitor cross-sell, top-up to identify growth opportunities.

Product & Pricing Strategy :

- Evaluate pricing effectiveness using portfolio performance and competitor benchmarks.

- Analyze impact of product changes on conversion, risk, and profitability.

Process & Funnel Optimization :

- Use funnel data to identify drop-offs and TAT issues in the digital LOS/LMS journey.

- Recommend workflow enhancements to improve user experience and reduce operational frictions.

Advanced Analytics & Modeling :

- Build and maintain models for credit risk, prepayment, bounce prediction, etc., using machine learning or statistical techniques.

- Leverage alternate data sources (GST, bank statements, bureau data, property valuation) for deeper insights.

Required Skills & Qualifications :

- Bachelor's/Master's degree in Statistics, Mathematics, Computer Science, Economics, or similar field

- 3-4 years of analytics experience in lending - ideally with a Fintech, NBFC, or Digital Lending platform

- Strong command of SQL and Python for data analysis and modeling

- Experience with BI tools like Power BI, Tableau

- Understanding of LAP-specific metrics (LTV, FOIR, property type impact, delinquency buckets, etc.)

- Exposure to LOS/LMS/lending systems

- Strong business acumen, with the ability to convert data into strategy

- Experience working in agile, cross-functional product and tech environments

Good to Have :

- Experience with alternate underwriting data (e.g., GST, bank statement parsing, social data)

- Exposure to bureau data analytics (CIBIL, CRIF)

- Familiarity with property verification technology, or geolocation-based analysis