Manager - Collection Strategy and Intelligence

B Capital; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

B Capital is seeking a Credit Portfolio Optimization expert in Bengaluru to maximize portfolio performance post-disbursement. You will identify and solve credit performance issues, designing interventions that scale across various strategies.

The ideal candidate has 3–8 years of experience in fintech or analytics, strong data handling skills, and excellent stakeholder management abilities. Join us in creating an inclusive environment while driving measurable business outcomes.

Qualifications

• 3–8 years of experience in consulting, fintech, lending, analytics, or strategy roles.
• High comfort with data and a strong business intuition.
• Ability to operate in ambiguity and define problem statements.

Responsibilities

• Own portfolio performance problems end-to-end.
• Drive first-principles problem solving and design experiments.
• Close the loop with risk and product insights.

Skills

Strong first-principles thinking

Structured problem solving

Comfort with data (SQL/Excel)

Communication skills

Stakeholder management

Job description

About the Team

Financial Services at Meesho is building one of the largest digital lending businesses for Bharat. As we scale to millions of users, the next phase of growth will be defined by how intelligently we manage credit performance across the lifecycle — from underwriting to repayment and recovery.

The DARC (Data Science, Analytics, Risk & Collections) team acts as the decisioning engine for this business — combining data, risk, and systems thinking to drive portfolio outcomes.

About the Role: Credit Portfolio Optimization

This is a high‑ownership, high‑impact role focused on maximizing portfolio performance post‑disbursement.

You will act as the central problem solver for credit performance — identifying where we are losing money across the repayment lifecycle, diagnosing root causes, and designing interventions that improve outcomes at scale.

This is not a collections or operations role. This is a strategy + systems role with direct impact on metrics like NCL, cure rates, cost‑to‑recovery, and customer lifetime value.

What you will do

• Own portfolio performance problems end‑to‑end: Identify leakages across the repayment lifecycle (early delinquency, roll‑forwards, low cure, high cost) and define structured problem statements.
• Drive first‑principles problem solving: Break down ambiguous problems into hypotheses, design experiments, and quantify impact.
• Design and test interventions at scale across:
  • Customer segmentation
  • Communication strategies
  • Payment nudges and incentives
  • Policy and product levers
  • Channel mix (digital vs assisted vs agency)
  • Build intelligence layers on top of collections: Work with DS/Analytics to create propensity / payback models, early warning signals, prioritization frameworks.
  • Close the loop with risk and product: Use collections insights to influence underwriting strategies, fraud detection, product design decisions.
  • Partner with OPS teams to drive execution: Ensure strategies translate into measurable on‑ground impact.
  • Drive leadership visibility: Communicate insights, trade‑offs, and outcomes clearly to senior stakeholders.

What you will need

• 3–8 years of experience in consulting, fintech, lending, analytics, or strategy roles.
• Strong first‑principles thinking and structured problem solving.
• Ability to operate in ambiguity and independently define problem statements.
• High comfort with data (SQL/Excel/analytics mindset).
• Clear ownership mindset — ability to drive outcomes, not just analysis.
• Strong business intuition and understanding of customer behaviour.
• Ability to deal with ambiguous problem statements.
• Excellent communication and stakeholder management skills.

Equal Opportunity Statement

Meesho welcomes applicants and employees of all abilities and is dedicated to fostering an environment where differently‑abled persons can achieve their full potential. In compliance with the Rights of Persons with Disabilities Act, 2016, we uphold the following principles:

• Equal Opportunity: Employment opportunities are never denied on the grounds of disability if the candidate is otherwise competent to perform the job.
• Accessible Workplace: Facilities are designed to be fully accessible, with amenities and assistive devices provided to support differently‑abled individuals in their work.
• Inclusive Hiring Process: We adopt a transparent and non‑discriminatory selection process, including providing application forms in alternate formats and offering reasonable accommodations during interviews upon request.
• Career Growth: We provide adequate training post‑recruitment and pre‑promotion, with training materials available in accessible formats to enable equal career progression.
• Support & Confidentiality: A dedicated liaison officer/committee addresses concerns and grievances, while maintaining strict confidentiality of disability‑related information.
• Awareness & Inclusion: We conduct awareness programs to promote a culture of inclusivity across the organization.