Analytics Manager - Loans/ Credit Card !

BDO India; Mumbai; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

BDO India in Mumbai seeks a senior analytics leader to shape analytics strategy for unsecured lending and credit cards, driving data-driven growth.

You will lead ML-driven models, collaborate with product, risk, and tech teams, and mentor analytics professionals to deliver measurable business outcomes.

The role demands deep knowledge of customer and portfolio analytics, strong stakeholder skills, and a passion for scalable analytics platforms.

Qualifications

• 8-15 years of experience in Analytics, Data Science, Digital Lending, Cards Analytics, or Consumer Finance Analytics.
• Strong experience within Unsecured Lending and/or Credit Cards domain is mandatory.
• Experience in Digital Banking, Fintechs, NBFCs, Credit Card issuers, or Retail Banking analytics functions preferred.
• Strong knowledge of machine learning techniques and predictive modelling.
• Hands-on experience with analytics tools such as Python, SQL, SAS, R, Power BI, Tableau, or similar.
• Deep understanding of customer analytics, portfolio analytics, decision science, and data modelling.
• Experience working with large datasets and modern data platforms.
• Strong problem-solving and analytical skills.
• Strategic thinking with business acumen.
• Ability to translate complex analytics into business outcomes.
• Excellent stakeholder management and communication skills.

Responsibilities

• Develop and execute analytics strategies to drive growth across unsecured lending and credit card businesses.
• Generate actionable insights on customer acquisition, portfolio performance, risk behavior, and profitability.
• Partner with Product, Business, Risk, and Technology teams to drive data-led decision making.
• Identify opportunities to improve customer conversion, engagement, retention, and cross-sell outcomes.
• Lead the development and deployment of predictive models across the lending lifecycle.
• Build and enhance models related to customer acquisition, propensity, cross-sell, churn, fraud, and portfolio management.
• Drive implementation of ML/AI-based solutions to improve business performance and customer experience.
• Ensure continuous monitoring, validation, and refinement of analytical models.
• Analyze customer behavior, transaction patterns, and portfolio trends to improve portfolio quality and profitability.
• Design segmentation frameworks and customer targeting strategies.
• Monitor key portfolio metrics and recommend corrective actions based on trends and emerging risks.
• Influence senior leadership through data-driven insights and strategic recommendations.
• Collaborate closely with Product, Risk, Digital Banking, Marketing, and Technology teams.
• Present analytical findings and business recommendations to executive stakeholders.
• Drive adoption of modern analytics tools, cloud-based analytics platforms, and automation frameworks.
• Promote best practices in data governance, model development, and analytics delivery.
• Mentor and build high-performing analytics teams.

Skills

Business Analytics

Data Science

Machine Learning

Portfolio Analytics

Stakeholder Management

Analytics Enablement

Tools

Python

SQL

SAS

R

Power BI

Tableau

Job description

Role & responsibilities

• Business Analytics & Strategy
• Develop and execute analytics strategies to drive growth across unsecured lending and credit card businesses.
• Generate actionable insights on customer acquisition, portfolio performance, risk behavior, and profitability.
• Partner with Product, Business, Risk, and Technology teams to drive data-led decision making.
• Identify opportunities to improve customer conversion, engagement, retention, and cross-sell outcomes.
• Data Science & Machine Learning
• Lead the development and deployment of predictive models across the lending lifecycle.
• Build and enhance models related to customer acquisition, propensity, cross-sell, churn, fraud, and portfolio management.
• Drive implementation of ML/AI-based solutions to improve business performance and customer experience.
• Ensure continuous monitoring, validation, and refinement of analytical models.
• Portfolio & Customer Analytics
• Analyze customer behavior, transaction patterns, and portfolio trends to improve portfolio quality and profitability.
• Design segmentation frameworks and customer targeting strategies.
• Monitor key portfolio metrics and recommend corrective actions based on trends and emerging risks.
• Stakeholder Management
• Influence senior leadership through data-driven insights and strategic recommendations.
• Collaborate closely with Product, Risk, Digital Banking, Marketing, and Technology teams.
• Present analytical findings and business recommendations to executive stakeholders.
• Technology & Analytics Enablement
• Drive adoption of modern analytics tools, cloud-based analytics platforms, and automation frameworks.
• Promote best practices in data governance, model development, and analytics delivery.
• Mentor and build high-performing analytics teams.

Preferred candidate profile

• 8-15 years of experience in Analytics, Data Science, Digital Lending, Cards Analytics, or Consumer Finance Analytics.
• Strong experience within Unsecured Lending and/or Credit Cards domain is mandatory.
• Experience in Digital Banking, Fintechs, NBFCs, Credit Card issuers, or Retail Banking analytics functions preferred.
• Strong knowledge of machine learning techniques and predictive modelling.
• Hands-on experience with analytics tools such as Python, SQL, SAS, R, Power BI, Tableau, or similar.
• Deep understanding of customer analytics, portfolio analytics, decision science, and data modelling.
• Experience working with large datasets and modern data platforms.
• Strong problem-solving and analytical skills.
• Strategic thinking with business acumen.
• Ability to translate complex analytics into business outcomes.
• Excellent stakeholder management and communication skills.