Portfolio & Delinquency Analyst

Northern Arc Capital; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Northern Arc Capital is seeking a highly analytical professional to support portfolio monitoring, delinquency analytics, collections performance tracking, and management reporting across lending portfolios.

The role involves ownership of analytics, coordination with Business, Collections, Finance, and Risk teams, and delivering insight-driven recommendations to improve recovery and portfolio performance.

Qualifications

• Strong analytical and problem-solving abilities.
• Hands-on experience with SQL, Python and Excel.
• Working knowledge of visualization tools such as Power BI or Tableau.

Responsibilities

• Monitor portfolio performance across delinquency buckets and conduct vintage, MOB, roll-rate analyses.
• Prepare daily, weekly, and monthly MIS dashboards for management review.
• Develop and automate reporting frameworks using SQL, Python, Excel, and Power BI.
• Coordinate with Collections, Business, Finance, and Risk teams to deliver analytical insights.

Skills

Analytical thinking

SQL

Python

Excel

Power BI

Tools

Tableau

Job description

We are looking for a highly analytical and detail-oriented professional to support portfolio monitoring, delinquency analytics, collections performance tracking, and management reporting across lending portfolios. The role requires strong ownership, hands-on analytical capabilities, and effective coordination with the Business, Collections, Finance, and Risk teams.

The core responsibilities for the job include the following:

Portfolio and Delinquency Analytics:

• Monitor portfolio performance across delinquency buckets, including 1-30 30+, 60+, and 90+.
• Perform vintage, MOB, roll-rate, bucket-movement, and resolution analyses.
• Identify early-warning indicators and stressed portfolio segments.
• Track collection efficiency and delinquency trends.

Reporting and MIS:

• Prepare daily, weekly, and monthly MIS dashboards for management review.
• Develop and automate reporting frameworks using SQL, Python, Excel, and Power BI.
• Ensure data accuracy through appropriate validation and reconciliation controls.
• Prepare portfolio insights and presentation-ready summaries for stakeholders.

Strategy and Analytical Support:

• Evaluate collection strategies and identify opportunities for improvement.
• Support collection prioritization and portfolio segmentation exercises.
• Build analytical frameworks for recovery optimization and portfolio monitoring.
• Analyze large datasets from internal systems, credit bureaus, and other external sources.

Stakeholder Management:

• Coordinate with the Collections, Business, Finance, and Risk teams.
• Support management discussions with analytical insights and performance commentary.
• Deliver ad hoc analytical requirements within agreed timelines.

Requirements:

• Strong analytical and problem-solving abilities.
• Good understanding of portfolio analytics and collection processes.
• Hands-on experience with SQL, Python, and Excel.
• Working knowledge of visualization tools such as Power BI or Tableau.
• Strong communication and presentation skills.
• Ability to work with large datasets and derive actionable insights.
• (Experience in senior analytics professional + lending/collections domain expertise + SQL/Python + delinquency/vintage/MOB/roll rate + MIS/Power BI. )

Preferred Background:

• Experience in banking, NBFCs, fintech, lending, or financial services.
• Understanding of delinquency metrics, vintage analysis, MOB analysis, roll rates, and collection MIS.