Collection Analyst | Mobikwik

Mobikwik; Gurugram District; On-site; INR 600,000 - 800,000; Full time

Job summary

Mobikwik in Gurgaon, India, is seeking a Collection Analyst to own collection MIS and performance analytics for our lending portfolio. You will track delinquency and recovery trends across buckets and geographies, manage cycle-wise allocation, keep vendors accountable, and ensure complaints and escalations are resolved on time and in line with RBI guidelines.

You will coordinate with Risk, Product, Tech, Legal, and Customer Support to improve collection strategy and processes, while monitoring

Responsibilities

• Own daily, weekly, and monthly collection MIS and dashboards: Reso %, ROR %, roll rates, bucket-wise movement, and collection efficiency.
• Track daily performance against targets and flag deviations early to leadership.
• Ensure 100% accuracy and timely delivery of reports, and prepare monthly business review decks.
• Automate recurring reports to reduce manual effort.
• Analyse state-wise and city-wise performance and recommend corrective actions for weak geographies.
• Run ROA analysis on low-performing portfolios, agencies, and cohorts, and drive action plans from the findings.
• Study bounce trends and roll-forward behaviour to support strategy changes.
• Manage monthly and cycle-wise allocation of accounts to agencies, tele-calling, and field teams, based on bucket, geography, and past vendor performance.
• Rebalance allocations during the month based on productivity and recovery.
• Maintain vendor scorecards and run regular performance reviews.
• Validate vendor billing and payouts against actual recovery and productivity.
• Support vendor onboarding and ensure adherence to SLAs and RBI fair-practice guidelines.
• Manage customer, regulatory, social media, and internal escalations within TAT.
• Run root cause analysis on repeat complaints and implement preventive fixes.
• Work with Risk, Product, Tech, Legal, and Customer Support to improve collection strategy and processes.
• Reso % and ROR % against monthly targets
• Reduction in roll-forward to higher buckets
• Accuracy and timeliness of MIS
• Vendor billing accuracy and scorecard adherence
• Complaint and escalation closure within TAT

Job description

Role Summary

We are looking for a Collection Analyst to own collection MIS and performance analytics for our lending portfolio. You will track delinquency and recovery trends across buckets and geographies, manage cycle-wise allocation, keep vendors accountable, and ensure complaints and escalations are resolved on time and in line with RBI guidelines.

Key Responsibilities

1. MIS & Reporting

• Own daily, weekly, and monthly collection MIS and dashboards: Reso %, ROR %, roll rates, bucket-wise movement, and collection efficiency.
• Track daily performance against targets and flag deviations early to leadership.
• Ensure 100% accuracy and timely delivery of reports, and prepare monthly business review decks.
• Automate recurring reports to reduce manual effort.

2. Performance Analysis

• Analyse state-wise and city-wise performance and recommend corrective actions for weak geographies.
• Run ROA analysis on low-performing portfolios, agencies, and cohorts, and drive action plans from the findings.
• Study bounce trends and roll-forward behaviour to support strategy changes.

3. Allocation Management

• Manage monthly and cycle-wise allocation of accounts to agencies, tele-calling, and field teams, based on bucket, geography, and past vendor performance.
• Rebalance allocations during the month based on productivity and recovery.

4. Vendor Management & Billing

• Maintain vendor scorecards and run regular performance reviews.
• Validate vendor billing and payouts against actual recovery and productivity.
• Support vendor onboarding and ensure adherence to SLAs and RBI fair-practice guidelines.

5. Complaints & Escalations

• Manage customer, regulatory, social media, and internal escalations within TAT.
• Run root cause analysis on repeat complaints and implement preventive fixes.

6. Cross-functional Work

• Work with Risk, Product, Tech, Legal, and Customer Support to improve collection strategy and processes.

Success Metrics (KPIs)

• Reso % and ROR % against monthly targets
• Reduction in roll-forward to higher buckets
• Accuracy and timeliness of MIS
• Vendor billing accuracy and scorecard adherence
• Complaint and escalation closure within TAT