Manager – Portfolio Strategy & Analytics

Applied Data Finance; India; On-site; INR 2,500,000 - 4,200,000; Full time

Job summary

Applied Data Finance seeks a senior analyst to blend data and business strategy in its Portfolio Management & Analytics team. You will model profitability across loans, cohorts, and channels, and shape pricing by linking price, risk, and demand.

Your work will define customer lifetime value and guide acquisition and pricing decisions in collaboration with executives and cross-functional leaders. You will work in an AI-centered environment, writing new playbooks and turning analysis into

Qualifications

• 6–10 years mixing analysis with business decisions in relevant finance fields.
• Hands-on pricing, P&L or investment decisions influencing outcomes.
• Strong Excel and financial modelling, build models themselves.
• Confident presenting recommendations to senior leaders.
• Comfort using AI tools in daily work with sound judgement.

Responsibilities

• Find what is truly profitable across products, channels and customer segments.
• Model cash flows and returns for loan cohorts with clear assumptions.
• Shape pricing using price, risk and take-up interactions for tiers.
• Define and measure customer lifetime value to guide acquisition and pricing.
• Turn analysis into decisions and drive actions with cross-functional teams.

Skills

Data analysis

Financial modelling

Pricing strategy

Executive presentation

AI tool usage (e.g., ChatGPT, Claude)

Education

MBA or equivalent track record

Tools

Excel

Job description

We lend money to consumers, and our Portfolio Management & Analytics team answers one simple question: which of our loans and customers actually make money, and what should we do about the ones that don't?

In this role, you will use data to figure out where the business earns and where it loses, and then help leadership act on it: what to grow, what to reprice and what to stop. This is a new team, and we are building it with AI at the centre of how we work. You will not inherit a fixed playbook. You will help write it.

Why This Role Is Interesting

• You will build something new. We want to understand what a customer is worth over their full relationship with us, not just on a single loan. That view does not exist yet. You will help build it.
• Your work will lead to real decisions. You will work directly with executives and senior leaders on strategy, and with Credit Risk, Marketing and Finance to put it into action.
• AI-first from day one. You will use AI tools every day to solve complex problems faster.
• You will be seen. Your recommendations go straight to senior leadership.

What You Will Do

• Find out what is really profitable. Go beyond portfolio averages to see which products, channels and customer segments earn their keep and which do not.
• Build the numbers yourself. Model cash flows and returns for groups of loans (cohorts), and be clear about the assumptions behind them.
• Shape pricing. Work out how price, risk and customer take-up affect each other, and recommend pricing for different customer tiers.
• Build customer lifetime value. Help define and measure how much a customer is worth over time, and use it to guide who we acquire and how we price them.
• Turn analysis into action. Take your findings all the way to a decision, working with Credit, Pricing, Channels and Finance.

What You Bring Must-haves

• 6–10 years in a role that mixed analysis with business decisions, for example management consulting, corporate or business strategy, credit or portfolio analytics, investment or private equity, FP&A, or business finance.
• Hands-on work on pricing, P&L or investment decisions where you influenced the outcome.
• Strong Excel and financial modelling skills. You build models yourself rather than handing them off.
• Confidence presenting a recommendation to senior leaders and defending it when challenged.
• Comfort using AI tools (ChatGPT, Claude, Copilot or similar) in your daily work, along with the judgement to check what they give you.

Good to have

• Experience in consumer lending, banking, fintech, NBFCs, credit cards or insurance.
• Familiarity with NPV, IRR, unit economics or customer lifetime value (LTV).
• Experience working with US or global teams.
• An MBA from a top institute, or an equivalent track record.