Business Analyst - Assistant Manager - Lending

Lever, Inc.; Dadri; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Paytm is seeking a data-driven Collections & Analytics Specialist with 2+ years of experience to manage BAU operations, MIS reporting, and analytical strategy development. You will bridge raw collections data with strategic decisions, optimize resource allocation, and automate reporting workflows.

You will lead segmentation, predictive modeling, and champion-challenger testing to improve recovery rates while ensuring regulatory compliance across channels.

Qualifications

• Minimum 2 years of hands-on experience in Collections BAU, MIS reporting, or Collections Analytics in Banking, NBFC, or Fintech.
• Proficiency in Excel, SQL, and BI tools; experience with R, Python, or SAS is a plus.
• Strong analytical ability to handle big data, financial modeling, and loss forecasting.
• Clear communication and stakeholder management to translate data into executive insights.

Responsibilities

• Handle daily portfolio allocations to internal collection teams, telecallers, field agents, and external agencies.
• Create, maintain, and publish daily, weekly, and monthly MIS dashboards and executive decks.
• Monitor daily run rates across FTEs, telecalling, field teams, and agencies to track progress.
• Automate reports and data workflows to increase team productivity.
• Assist in developing and refining the bank’s master Collections Strategy for standardized execution.
• Perform behavioral segmentation and modeling to tailor recovery strategies.
• Design champion-challenger frameworks with cost‑benefit analyses to test tactics.
• Break down loss forecasts into roll rates and recovery rates; monitor ACR by bucket.
• Analyze agency performance and optimize DCA strategies.
• Ensure compliant customer contact practices per regulatory requirements.

Skills

Advanced Excel

SQL

Python

R

Statistical modeling

Tools

Power BI

Tableau

SAS

Job description

About Us

Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants, and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited, which owns the Paytm brand, was founded by Vijay Shekhar Sharma.

Role Overview

We are seeking a data-driven Collections & Analytics Specialist with 2+ years of experience to manage daily business-as-usual (BAU) operations, MIS reporting, and analytical strategy development. In this role, you will bridge the gap between raw collections data and high-impact strategy—optimizing resource allocation, automating reporting workflows, and applying predictive segmentation to improve recovery rates and minimize credit losses.

Key Responsibilities

Collections Daily BAU & MIS Management Allocation Management: Handle daily portfolio allocations to internal collection teams, telecallers (TC), field agents, and external agencies.

MIS Reporting: Create, maintain, and publish daily, weekly, and monthly MIS dashboards and executive PPT decks for key stakeholders and regional teams.

Performance Tracking: Monitor daily run rates (DRR) across FTEs, telecalling, field teams, and agencies to track resolution progress.

Process Automation: Continuously enhance existing reports, develop new tracking tools, and automate manual data workflows to increase overall team productivity.

Collections Analytics & Strategy Formulation: Assist in developing and refining the bank’s master Collections Strategy document to ensure standardized execution across all channels.

Segmentation & Modeling: Perform behavioral customer segmentation and leverage statistical/predictive modeling to tailor recovery strategies across different risk buckets.

Champion-Challenger Testing: Design and execute champion-challenger frameworks—supported by cost-benefit analyses—to test and scale high-performing recovery tactics.

Loss Forecasting & Performance Metrics: Break down loss forecasts into collection roll rates and recovery rates, while monitoring Account-to-Collection Ratios (ACR) by bucket.

DCA & Agency Optimization: Analyze agency performance and implement targeted strategies for Direct Recovery Agents (DCA).

Compliance & Governance: Align collection strategies with regulatory requirements to ensure individualized, compliant customer contact practices.

Qualifications & Requirements

Experience: Minimum 2 years of hands-on experience in Collections BAU, MIS reporting, or Collections Analytics within Banking, NBFC, or Fintech environments.

Technical Skills: Advanced Proficiency in Excel, SQL, and BI tools (Power BI/Tableau); experience with statistical modeling tools (R, Python, or SAS) is a plus.

Analytical Capability: Strong aptitude for quantitative analysis, structured/unstructured big data handling, and financial modeling (roll rates, loss forecasting).

Communication: Clear presentation and stakeholder management skills to translate complex data into actionable executive insights

Join Us

A collaborative, output-driven environment that brings cohesiveness across businesses through technology.

Opportunities to improve Average Revenue Per User (ARPU) by unlocking massive cross-sell opportunities across Paytm’s user base.

A solid 360 circle feedback culture supported by peer teams aligned with your goals.

Compensation :

If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!