COLLECTION ANALYTICS - UNSECURED

PeopleStrong; Tamil Nadu; On-site; INR 1,400,000 - 3,200,000; Full time

Job summary

Muthoot Fincorp Limited in India is seeking a Business & Collection Analytics leader to own the analytics function for mortgage loan collections. You will develop real-time dashboards, daily MIS, and predictive models to optimize recovery across field, digital, and call center channels.

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

Qualifications

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

Responsibilities

• Lead end-to-end analytics for mortgage loan collections with dashboards and MIS.
• Develop predictive models to optimize recovery across channels.
• Provide actionable insights to reduce delinquency and improve portfolio behavior.
• Deliver daily/weekly reports on portfolio performance and DRR adherence.
• Collaborate with collections leadership, field teams, digital, and legal teams.

Skills

Core technical skills

Communication skills

Business analytics

Critical thinking

Adaptability

Education

Bachelor’s/Master’s in Statistics or Data Science

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.