About Credit Saison India

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx 2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Role Overview

We are seeking a highly analytical and data-driven Collection Strategy Analyst with deep expertise in risk management and end-to-end collections lifecycle strategy. The ideal candidate will possess strong capabilities in portfolio analytics, risk segmentation, AI/ML modeling, and large-scale data interpretation to design and optimize collection strategies across the entire lifecycle — from pre-due to recovery.

This role requires a strong academic background from premier institutes (IIT, IIM, or equivalent top-tier institutions) with a Master's degree in IT, Data Science, Statistics, or related quantitative disciplines.

Key Responsibilities

1. End-to-End Collection Strategy Design

Develop and optimize data-driven collection strategies across:
Pre-due stage
Early bucket collections
Late bucket collections
Recovery and write-off management
Design stage-wise treatment strategies to maximize resolution rates and minimize roll-forward.

2. Risk & Portfolio Analytics

Conduct in-depth portfolio analysis to identify risk trends, delinquency drivers, and behavioral patterns.
Develop and monitor portfolio scorecards.
Perform risk segmentation to enable differentiated strategy deployment.
Analyze large historical datasets to extract actionable insights and improve collection efficiency.

3. Advanced Data & AI/ML Implementation

Develop and deploy AI/ML models for:
Delinquency prediction
Roll rate forecasting
Recovery propensity
Contactability optimization
Partner with data engineering teams for seamless data integration and model deployment.
Evaluate model performance, stability, and recalibration needs.

4. Strategy Performance Monitoring

Design performance dashboards and KPIs for collection effectiveness.
Monitor employee scorecards aligned with productivity, efficiency, and compliance.
Conduct champion-challenger testing to continuously optimize strategies.

5. Big Data & Data Interpretation

Work with large, complex structured and unstructured datasets.
Perform cohort analysis, roll-rate analysis, vintage analysis, and behavioral segmentation.
Interpret historical performance data to refine future strategy design.

6. Stakeholder Collaboration

Collaborate with Risk, Operations, Product, Technology, and Senior Leadership teams.
Present analytical findings and strategic recommendations to leadership.

Required Qualifications

Master's or Bachelor degree in Engineering, Computer Science, IT, Data Science, Statistics, Mathematics, Economics, or related quantitative discipline.
Preferred education from premier institutions such as IIT, IIM, ISI, or other top-tier institutes.
4–8+ years of relevant experience in collections analytics, credit risk, or financial services.

Technical Skills

Strong proficiency in:
SQL
Python / R
Advanced Excel
Data visualization tools (Power BI / Tableau)
Deep understanding of:
Portfolio scorecards
Risk segmentation methodologies
Employee performance scorecards
Roll rate and vintage analysis
AI/ML model development and validation
Big data ecosystems and data integration frameworks

Core Competencies

Strong analytical and problem-solving skills
Strategic thinking with business acumen
Deep understanding of credit risk and collections lifecycle
Ability to interpret complex datasets and convert insights into executable strategies
Excellent communication and stakeholder management skills

Preferred Attributes

Experience in NBFC/Banking/FinTech collections environment
Exposure to regulatory compliance in collections
Hands-on experience with large-scale portfolio management
Proven track record of driving measurable improvement in collection efficiency and recovery rates

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