Senior Data Analyst

Sayyam Investments Private Limited; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Sayyam Investments Private Limited is seeking a hands-on Senior Data Analyst to lead the Data and BI function for a growing NBFC in Bengaluru, owning portfolio analytics, reporting automation, dashboard development, data quality, and team delivery across Credit, Risk, Collections, Finance, Operations, and Product.

You will lead a data team, build and maintain Power BI dashboards for disbursal, AUM, collections, and portfolio performance, and perform portfolio and risk analyses to uncover early

Qualifications

• 5–7 years of data analytics or BI experience in NBFC or lending fintech.
• Strong SQL and Power BI expertise.
• Experience with loan portfolio analytics and risk metrics is preferred.

Responsibilities

• Lead the Data team, allocate work, review deliverables, mentor junior analysts, and establish reporting standards.
• Build and maintain Power BI dashboards for disbursal, AUM, collections, demand, collection efficiency, DPD, bounce, NPA, write-offs, recoveries, and portfolio performance.
• Conduct portfolio, vintage, static pool, cohort, repayment behaviour, and risk analysis to identify early-warning signals and business opportunities.
• Write and optimize complex SQL queries to extract, clean, validate, and reconcile data from LOS, LMS, CRM, payment systems, bureau partners, and third-party platforms.
• Automate daily, weekly, and monthly MIS, portfolio reports, collection reports, and management dashboards.
• Partner with Credit, Risk, Collections, Finance, Operations, Product, and Marketing teams to provide actionable insights and support decision-making.
• Create and maintain data dictionaries, reporting SOPs, query repositories, KPI definitions, and validation checks.
• Ensure a single source of truth for key business metrics across the organisation.

Skills

SQL

Power BI

Excel

Python/R

Data storytelling

Tools

MySQL

SQL Server

PostgreSQL

AWS RDS

ETL tools

APIs

Job description

Role Objective

We are looking for a hands‑on Senior Data Analyst to lead the Data and Business Intelligence function for a growing NBFC. The role will own portfolio analytics, reporting automation, dashboard development, data quality, and team delivery across Credit, Risk, Collections, Finance, Operations, and Product.

Key Responsibilities

• Lead the Data team, allocate work, review deliverables, mentor junior analysts, and establish reporting standards.
• Build and maintain Power BI dashboards for disbursal, AUM, collections, demand, collection efficiency, DPD, bounce, NPA, write‑offs, recoveries, and portfolio performance.
• Conduct portfolio, vintage, static pool, cohort, repayment behaviour, and risk analysis to identify early‑warning signals and business opportunities.
• Write and optimize complex SQL queries to extract, clean, validate, and reconcile data from LOS, LMS, CRM, payment systems, bureau partners, and third‑party platforms.
• Automate daily, weekly, and monthly MIS, portfolio reports, collection reports, and management dashboards.
• Partner with Credit, Risk, Collections, Finance, Operations, Product, and Marketing teams to provide actionable insights and support decision‑making.
• Create and maintain data dictionaries, reporting SOPs, query repositories, KPI definitions, and validation checks.
• Ensure a single source of truth for key business metrics across the organisation.

Required Skills

• 5–7 years of experience in Data Analytics, Risk Analytics, Business Intelligence, or Reporting.
• Mandatory experience in an NBFC, lending fintech, bank, or digital lending organisation.
• Strong SQL skills: joins, CTEs, subqueries, window functions, query optimization, and large dataset handling.
• Strong Power BI skills: data modelling, DAX, Power Query, dashboard development, refresh management, and performance optimization.
• Advanced Excel skills including Pivot Tables, complex formulas, reconciliation, trackers, and reporting automation.
• Working knowledge of Python or R for data analysis, automation, and predictive modelling is preferred.
• Experience with MySQL, SQL Server, PostgreSQL, AWS RDS, cloud databases, ETL processes, and APIs is preferred.

Lending Domain Knowledge

• Strong understanding of loan lifecycle: sourcing, underwriting, disbursal, repayment, collections, foreclosure, write‑off, and recovery.
• Knowledge of AUM, DPD, PAR, NPA, collection efficiency, bounce rate, roll rate, vintage, static pool, and repayment behaviour.
• Familiarity with retail lending, MSME lending, credit bureau data, KYC, fraud checks, and RBI digital lending guidelines.

Leadership Skills

• Ability to lead a data team and manage multiple priorities independently.
• Strong business understanding, structured problem‑solving, and attention to detail.
• Ability to present complex data insights clearly to senior management.
• Strong ownership, stakeholder management, and process‑improvement mindset.