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:

- Develop and optimize data-driven collection strategies across pre-due stage, early bucket collections, late bucket collections, and recovery/write-off management.

- Conduct in-depth portfolio analysis to identify risk trends, delinquency drivers, and behavioral patterns.

- Develop and monitor portfolio scorecards and perform risk segmentation to enable differentiated strategy deployment.

- Develop and deploy AI/ML models for delinquency prediction, roll rate forecasting, recovery propensity, and contactability optimization.

- Design performance dashboards and KPIs for collection effectiveness and conduct champion-challenger testing.

- Collaborate with Risk, Operations, Product, Technology, and Senior Leadership teams.

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.

- 6-9+ years of relevant experience in collections analytics, credit risk, or financial services.

Technical Skills:

- Strong proficiency in SQL, Python / R, Advanced Excel, and Data visualization tools (Power BI / Tableau).

- Deep understanding of portfolio scorecards, risk segmentation, employee performance scorecards, roll rate/vintage analysis, and AI/ML model development.

AVP - Collection Strategy