Senior Business Analyst

BDO India; Mumbai; On-site; INR 3,000,000 - 6,000,000; Full time

Job summary

BDO India is seeking an experienced Analytics Lead to drive growth for the Bank's Digital Lending and Cards portfolio. You will leverage advanced analytics, ML models, and customer insights to optimize acquisition, underwriting, engagement, cross-sell, and profitability.

The role requires deep domain knowledge of unsecured lending products and modern analytics ecosystems. You will lead analytics strategies, partner with Product, Risk, Digital Banking, Marketing, and Technology teams, and mentor

Qualifications

• 8–15 years of experience in Analytics, Data Science, Digital Lending, Cards Analytics, or Consumer Finance Analytics.
• Strong knowledge of machine learning techniques and predictive modelling.
• Hands-on experience with analytics tools such as Python, SQL, SAS, R, Power BI, Tableau, or similar.
• Deep understanding of customer analytics, portfolio analytics, decision science, and data modelling.

Responsibilities

• Develop and execute analytics strategies to drive growth across unsecured lending and credit card businesses.
• Generate actionable insights on customer acquisition, portfolio performance, risk behavior, and profitability.
• Lead the development and deployment of predictive models across the lending lifecycle.
• Mentor and build high-performing analytics teams and influence senior leadership.

Skills

Analytics

Data Science

Digital Lending

Credit Cards Analytics

Customer Analytics

Machine Learning

Stakeholder Management

Leadership

Problem Solving

Business Acumen

Communication Skills

Tools

Python

SQL

SAS

R

Power BI

Tableau

Job description

About Company

BDO is a global network of professional services firms with a presence in over 166 countries, revenue of over USD 14 billion, and experience of over 60 years. Its a leading service provider for the mid-markets with client service at its heart.

BDO India Services Private Limited (or ‘BDO India’) is the India member firm of BDO International. BDO India offers strategic, operational, accounting and tax, and regulatory advisory & assistance for both domestic and international organizations across a range of industries. BDO India is led by more than 300+ Partners & Directors with a team of over 10,000 professionals operating across 14 cities and 20 offices. We expect to grow sizably in the coming 3-5 years, adding various dimensions to our business and multiplying and increasing the current team size multi-fold.

Job Role

The role will drive analytics-led business growth for the Bank's Digital Lending and Cards portfolio. The incumbent will leverage advanced analytics, machine learning models, portfolio insights, and customer behaviour analytics to optimize acquisition, underwriting, engagement, cross-sell, and portfolio profitability. The position requires a deep understanding of unsecured lending products, credit cards, digital customer journeys, and modern analytics ecosystems.

Roles & Responsibilities

Business Analytics & Strategy

• Develop and execute analytics strategies to drive growth across unsecured lending and credit card businesses.
• Generate actionable insights on customer acquisition, portfolio performance, risk behavior, and profitability.
• Partner with Product, Business, Risk, and Technology teams to drive data-led decision making.
• Identify opportunities to improve customer conversion, engagement, retention, and cross-sell outcomes.

Data Science & Machine Learning

• Lead the development and deployment of predictive models across the lending lifecycle.
• Build and enhance models related to customer acquisition, propensity, cross-sell, churn, fraud,and portfolio management.
• Drive implementation of ML/AI-based solutions to improve business performance and customer experience.
• Ensure continuous monitoring, validation, and refinement of analytical models.

Portfolio & Customer Analytics

• Analyze customer behavior, transaction patterns, and portfolio trends to improve portfolio quality and profitability.
• Design segmentation frameworks and customer targeting strategies.
• Monitor key portfolio metrics and recommend corrective actions based on trends and emerging risks.

Stakeholder Management

• Influence senior leadership through data-driven insights and strategic recommendations.
• Collaborate closely with Product, Risk, Digital Banking, Marketing, and Technology teams.
• Present analytical findings and business recommendations to executive stakeholders.

Technology & Analytics Enablement

• Drive adoption of modern analytics tools, cloud-based analytics platforms, and automation frameworks.
• Promote best practices in data governance, model development, and analytics delivery.
• Mentor and build high-performing analytics teams.

Required Skills

• 8-15 years of experience in Analytics, Data Science, Digital Lending, Cards Analytics, or Consumer Finance Analytics.
• Strong experience within Unsecured Lending and/or Credit Cards domain is mandatory.
• Experience in Digital Banking, Fintechs, NBFCs, Credit Card issuers, or Retail Banking analytics functions preferred.
• Strong knowledge of machine learning techniques and predictive modelling.
• Hands-on experience with analytics tools such as Python, SQL, SAS, R, Power BI, Tableau, or similar.
• Deep understanding of customer analytics, portfolio analytics, decision science, and data modelling.
• Experience working with large datasets and modern data platforms.
• Strong problem-solving and analytical skills.
• Strategic thinking with business acumen.
• Ability to translate complex analytics into business outcomes.
• Excellent stakeholder management and communication skills.
• Strong leadership and team management capabilities.