Manager - Collections Analytics

Kisetsu Saison Finance (India) Private Limited; Mumbai; On-site; INR 650,000 - 1,100,000; Full time

Job summary

Credit Saison India is seeking an MIS Executive for the Collection Back Office to bridge field operations, legal, and senior management. You will manage end-to-end data, track collection metrics, and prepare essential analytical reports to drive recovery and timely legal interventions for delinquent accounts.

The role requires 2–5 years in MIS within NBFC/bank collections, advanced Excel skills, and the ability to coordinate across teams.

Qualifications

• Bachelor's degree in commerce
• 2 to 5 years of MIS and data management experience in collections, recovery, or risk within NBFCs or banks
• Strong Excel skills including VLOOKUP/HLOOKUP, Pivot Tables, and data validation

Responsibilities

• Daily MIS & Data Management: prepare, publish, and maintain daily, weekly, and monthly Collection MIS reports for management review.
• Field Team Coordination & Performance Tracking: coordinate daily with the field collection team to track performance against monthly projections and targets.
• Legal Team Coordination: identify accounts for legal action and compile necessary statements for drafting notices, maintaining a tracker of accounts in the legal pipeline.

Skills

Advanced Excel

Analytical mindset

Stakeholder management

NBFC systems familiarity

Detail-oriented

Education

Bachelor's degree in commerce

Tools

FinnOne

Pennant

Job description

Role Overview

The MIS Executive for the Collection Back Office plays a critical role in bridging the gap between field operations, the legal department, and senior management. This role is responsible for end-to-end data management, tracking collection performance against projections, and preparing vital analytical reports (including DPD metrics). The ideal candidate will ensure seamless data flow to drive maximum recovery and facilitate timely legal interventions for delinquent accounts.

Key Responsibilities

1. Daily MIS & Data Management
   Daily Reporting: Prepare, publish, and maintain daily, weekly, and monthly Collection MIS reports for management review.
   Data Management: Manage large volumes of loan and recovery data with high accuracy.
   Dashboards: Maintain dynamic dashboards showcasing vital collection metrics, bounce rates, and resolution rates.
2. Field Team Coordination & Performance Tracking Target vs. Achievement: Coordinate daily with the field collection team to track on-ground performance against set monthly projections and targets.
   Data Allocation: Allocate daily calling and visitation lists to the tele-calling and field teams based on priority and delinquency buckets.
   Variance Analysis: Highlight shortfalls in expected collections versus actual recoveries and share actionable insights with field supervisors.
   Feedback Loop: Act as the central point of contact for the field team to resolve data-related discrepancies.
3. Legal Team Coordination
   Legal Initiation: Identify chronic default accounts eligible for legal action (e.g., Section 138, Arbitration, Securitization) based on internal credit and collection policies.
   Documentation: Compile and provide necessary account statements, bounced cheque details, and borrower histories to the legal team for drafting notices.
   Status Tracking: Maintain a tracker of all accounts in the legal pipeline, updating case statuses and sharing progress reports with the Collection Head.

Key Skills & Competencies

• Advanced Excel Proficiency: Mastery of VLOOKUP/HLOOKUP, Pivot Tables, conditional formatting, complex formulas, and data validation. (Knowledge of Macros/VBA is a strong plus).
• Analytical Mindset: Strong ability to interpret numerical data, spot trends in borrower defaults, and draw logical conclusions.
• Stakeholder Management: Excellent verbal and written communication skills to effectively coordinate with aggressive field teams and formal legal departments.
• System Familiarity: Prior experience working with NBFC Loan Management Systems (e.g., FinnOne, Pennant, or similar software).
• Detail-Oriented: High accuracy in data handling; a zero-tolerance approach to data leakage or misreporting.

Qualifications & Experience

Education: Bachelor’s degree in commerce Experience: 2 to 5 years of proven experience in MIS and data management, specifically within the collections, recovery, or risk department of an NBFC or Bank.

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S& P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.