Job Description

Role snapshot

You will lead Personal Loan Analytics for Aditya Birla Capital Digital (ABCD), driving end-to-end analytics across acquisition, underwriting insights, customer engagement, and portfolio performance. This role will focus on scaling unsecured lending growth through data-driven targeting, risk-aligned decisioning, and lifecycle optimization.

This is a leadership role requiring strong hands-on expertise in analytics/data science, along with a deep understanding of lending business dynamics and the ability to influence stakeholders and build a high-performing team.

Role details

Reporting to: Head - ABCD & ABC One Analytics
Location: Thane / Mumbai

About Aditya Birla Capital

Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group. With a strong presence across Protecting, Investing, and Financing solutions, ABCL caters to customers across their financial lifecycle.

With 34,000+ employees, 1,200+ branches, and 2,00,000+ partners, ABCL combines scale with the strength of the global Aditya Birla Group operating in 36 countries.

About the Team: Aditya Birla Capital Digital (ABCD)

. ABCD is a wholly owned subsidiary established in 2023 for digital distribution and services
. It is building a D2C omni-channel platform (app + web) for lending, insurance, investments, and payments
. Drives acquisition, cross-sell, and engagement through digital + assisted channels (call center, branches)
. Focused on leveraging analytics, data, and technology to power growth and customer experience

About the Role: Personal Loan Analytics & Data Science

We are looking for a senior analytics leader with strong experience in unsecured lending (personal loans, consumer loans, digital lending ecosystems).

You will help ABCD unlock growth by:
. Driving high-quality customer acquisition for personal loans
. Optimizing approval, conversion, and disbursal funnels
. Balancing growth with portfolio quality and risk metrics
. Enabling cross-sell and repeat borrowing through lifecycle analytics

Key responsibilities

. Define lending analytics strategy for personal loans-aligning analytics initiatives with disbursal growth, conversion, and portfolio quality (NPAs, delinquency, early risk indicators)

. Drive acquisition and funnel optimization across sourcing channels-pre-approved offers, bureau-based targeting, partnerships, app/web journeys

. Build and optimize credit funnel analytics including eligibility filtering, drop-off analysis, approval-to-disbursal conversion, and TAT improvements

. Develop ML models such as credit propensity, approval likelihood, risk segmentation, early delinquency prediction, and collection prioritization

. Enable pre-approved and instant loan journeys using bureau, alternate data, and internal customer signals for faster decisioning

. Drive portfolio analytics including vintage analysis, cohort tracking, roll rates, bounce trends, and early warning indicators

. Collaborate with risk & underwriting teams to balance growth and risk-support scorecards, policy simulations, and segment-level strategies

. Design and deploy NBA/NBO frameworks for cross-sell, top-up loans, and repeat lending across channels

. Leverage omni-channel analytics (app, web, call center, branch, partners) to improve lead conversion and customer experience

. Implement AI-first analytics approach, using GenAI tools for insights generation, reporting automation, and business decision enablement (with clear governance)

. Drive campaign analytics & experimentation (A/B testing, channel optimization) to improve CAC, approval rates, and disbursal efficiency

. Partner with data engineering to build scalable lending datasets, bureau integrations, and customer 360 views

. Define KPIs & dashboards across funnel (lead approval disbursal), risk metrics (DPD, NPAs), and channel performance

. Ensure regulatory & compliance adherence across all analytics-driven lending practices

. Build and lead a high-performing analytics team, mentoring members and ensuring strong delivery and stakeholder management

What you bring

. Bachelor's/Master's in Mathematics, Statistics, Engineering, or a related quantitative discipline

. 8-12 years of experience in analytics/data science with strong exposure to personal loans/unsecured lending/consumer finance

. Strong understanding of credit lifecycle, including acquisition, underwriting, risk management, and collections

. Hands-on expertise in Python, SQL, PySpark experience working with large-scale datasets and cloud/data platforms

. Experience in credit risk modeling, propensity models, and funnel analytics

. Familiarity with bureau data, alternate data, and digital lending journeys

. AI-first mindset with exposure to advanced analytics/GenAI-enabled workflows

. Strong problem-solving skills-ability to translate business needs into analytical frameworks

. Proven ability to manage stakeholders across business, risk, product, and tech teams

. Experience in building and scaling analytics teams

Why join ABCD

. Be part of a high-growth digital lending platform within a strong financial services ecosystem

. Own a critical charter driving personal loan growth and profitability

. Work on high-impact use cases-digital lending, pre-approved offers, and AI-led decisioning

. Solve problems across acquisition, risk, and lifecycle in an omni-channel environment

. Build and scale a strong analytics team and drive innovation in lending analytics

Lead - Personal Loan Analytics