Risk Collection Analytics Strategy

PayU Payments; Gurugram District; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

PayU Payments is looking for a Risk Collection Analytics Strategy professional in Gurgaon/Bangalore/Mumbai to develop and monitor repayment strategies, track performance, and deliver actionable insights for senior leadership. You will collaborate with Collections, Finance, Risk, and Data Science teams to optimize treatment strategies.

Ideal candidates have 5+ years in credit risk roles (consumer loans preferred) and experience in strategy analytics, with strong SQL/Tableau skills and excellent

Qualifications

• MBA or Master’s degree in Finance or Accounting.
• 5+ years’ experience in credit risk management roles (consumer loans preferred) in Indian banks, NBFCs, or e-commerce startups.
• 1+ years’ experience in people management.

Responsibilities

• Develop measurable strategies for risk mitigation to optimise repayment while considering costs.
• Delivery of strategy guardrail performance and insights.
• Analyze strategy performance and propose corrective actions.
• Proactively conduct self-assessment of strategy programs for impact.
• Prioritise own workload and manage time effectively.
• Test and re-forecast strategy financial performance rapidly.
• Partner with Collections & Recoveries to support robust analytics.
• Collaborate with stakeholders to implement coherent treatment strategies.

Skills

Analytical thinking

Communication skills

Credit risk analysis

MS Office

SQL

Tableau

Attention to detail

Collaboration

Education

MBA or Finance/Accounting degree

Tools

SQL

Tableau

MS Excel

Job description

Job Description:

Risk Collection Analytics Strategy

Location: Gurgaon/ Bangalore/ Mumbai

PayU, the fintech-arm of Naspers, is a leading financial services provider in global growth markets. We use our expertise and heritage in cross border and local payments to extend the services we offer to merchants and consumers. Our innovative technology, developed in-house as well as through investments and strategic partnerships, empowers billions of people and millions of merchants to buy and sell online, extending the reach of financial services.

PayU specialises in credit products and services for emerging markets across the globe. We are dedicated to removing risks to merchants, allowing consumers to use credit in ways that suit them and enabling a greater number of global citizens to access credit services. PayU focuses on delivering innovative fintech solutions. We connect consumers and businesses, improving access to credit in markets such as India and Africa.

With credit being the key business priority, Lazypay and Paysense, the alternate lending platforms, have been developed to offer credit solutions such as small ticket credit (Buy Now, Pay Later), app based personal loans and point of sale credit (Merchant EMI).

The role is responsible for strategy development, monitoring and maintenance across repayment and collections. Responsibilities include understanding and tracking of performance of treatment programs, and making recommendations that improve outcomes, designing digital campaigns and experimenting parallel test to optimise the treatment strategy. Coordinating the production of strategy performance reports and updates for senior management. The role holder will partner closely with Collections Operations, Finance, Risk and Data Science team, to update the progress made, what actions are in pipeline and formulate deliverables per PayU objectives.

Specific Responsibilities Include, But Are Not Limited To

• Development of measurable strategies for risk mitigation which optimise the risk and reward performance through understanding of customer behaviours and impacts to overall repayment while keeping in mind the cost associated with it
• Assist with the delivery of strategy guardrail performance
• Analyse the relative success of the strategy suite and deliver strategy insight, recommending corrective actions as necessary
• Proactively raise self-assessment issues and execute self-assessment of strategy programs to ensure they are delivering expected actions
• Proactively seek opportunities and assume responsibility for prioritisation of own workload
• Test, learn and rapid cycle re-forecasting of strategy financial performance
• Partner with Collections & Recoveries operations team to deliver effective analytical environment that supports comprehensive strategy performance tracking
• Partner with key stakeholders from across the business as required to develop and execute co-ordinated, robust, compliant and coherent treatment strategies

Preferred Qualifications:

MBA or Master’s degree in Finance or Accounting

5+ years’ experience in credit risk management roles (preferably consumer loans) in an Indian bank, NBFC, or e-commerce start-up. Past work in Collection strategy and analytics is a PLUS

1+ years’ experience in people management role

Required skills:

Strong analytical mind-set and numeric abilities Excellent verbal and written communication skills

Strong knowledge of credit risk analysis/underwriting principles, methods, and practices Proficient with MS Office. Experienced in data analysis tools like SQL, Tableau is preferred

Ability to approach problems in a quantitative and qualitative manner, attention to details

Strong collaboration skills, and the ability to build rapport with members of other departments