COLLECTION ANALYTICS - UNSECURED

Muthoot Fincorp Ltd.; Tamil Nadu; On-site; INR 2,400,000 - 4,200,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a seasoned Business & Collection Analytics leader to own end-to-end analytics for mortgage loan collections, building real-time dashboards, daily MIS, and predictive models to optimize recovery across field, digital, and call center channels.

You will translate analytics into actionable steps to reduce delinquency, improve portfolio behavior, and support legal recovery processes, with strong collaboration across collections leadership, field teams, and digital

Qualifications

• 8+ years of analytics experience in secured loan/mortgage collections.
• Deep expertise in field, digital, and call center collections analytics.
• Bachelor’s or Master’s in Statistics, Data Science or related field.

Responsibilities

• Build and manage real-time dashboards and MIS for field effort and productivity.
• Develop predictive models for productivity and delinquency reduction.
• Deliver daily/weekly portfolio performance reports with drill-down capabilities.
• Collaborate with collections leadership, field teams, digital, call center and legal teams to drive execution.
• Analyze channel performance to optimize account allocation and escalation strategies.

Skills

Core technical skills

Strong communication & partnering

Business & analytics

Critical & structural thinking

Continuous adaptability

Stakeholder collaboration

Education

Statistics/Data Science degree

Tools

Loan management systems

Field apps

Collection platform

Dialers

Digital communication platforms

Job description

Role Title: Business & Collection Analytics

ROLE SPECIFICATION

Role TitleCollection Analytics Recovery

Employee InterviewedSETHUNATH

Reports ToBH - UNSECURED LOANS

CompanyMuthoot Fincorp Limited

Function/DepartmentSecured & Unsecured Lending Business / Recovery

Approved By (Immediate Superior)

ROLE SUMMARY

Lead the end-to-end analytics function for mortgage loan collections by developing real-time dashboards, daily MIS, and predictive models to optimize recovery efforts across field, digital, and call center channels. Provide actionable insights to drive portfolio behavior improvement, reduce delinquency, and support legal recovery processes.

KEY RESPONSIBILITIES

Build and manage real-time dashboards and MIS for

Field effort & productivity (visits, PTP adherence, GPS tracking)

Call Centre performance (call connect rates, dispositions, payment conversions)

Legal recovery (SARFAESI notices, possession status, auction pipeline, Sec-138/25, Arbitration and EP)

Business Analytics

Build & manage real time dashboards for Key business metrics for acquisition, disbursement, productivity, penetration and profitability.

Predictive analysis for Business

Build analytical models for Productivity improvements across Branch and BDO distributions.

Business Model Building.

Build models for optimal Ticket sizing, pricing, delinquency parameters to ensure right product models are implemented in market.

Deliver daily/weekly reports on portfolio performance, DRR adherence, bucket movement, and flow-through analysis with drill-down capability.

Predictive Analytics:

Develop models to forecast slippage risk, propensity to pay, and channel suitability for prioritized recovery action.

Analyze and compare efficiency of field, digital, and call center channels; recommend account allocation and escalation strategies.

Stakeholder Collaboration:

Work closely with collections leadership, field teams, digital, call center, and legal teams to translate analytics into operational execution.

• Early Warning Signal
• Portfolio Quality (Reduction in 30+ ,60+. NPA)
• Collection Analytics (Improvement in collection efficiency and recovery rate
• Automation – Number of manual processes got automated
• Regulatory Compliance (100% compliance with model Governance and audit requirements)

KEY CHALLENGES

• Rapid technological changes
• stakeholder communication

KEY INTERACTIONS

Across all the Functions in BPFD

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

• Core technical skills
• Experience with loan management systems, field apps Collection platform, dialers, and digital communication platforms etc
• Strong communication and business partnering skills
• Business and analytical skills
• Critical & structural thinking
• Continuous adaptability

SUCCESS METRICS:

• Achievement of daily DRR targets across channels
• Reduction in portfolio flow to higher delinquency buckets
• Increased digital and call Centre recovery contribution
• Dashboard adoption and usage by all stakeholders

EDUCATION / EXPERIENCE

• 8+ years in analytics, preferably in secured loan/mortgage collections
• Strong expertise in field, digital, and call Centre collections analytics
• Bachelor’s/Master’s in Statistics, Data Science or related.