Senior Data Analyst

Job Title: Senior Data Analyst (Debt Collections)

Experience Level: 4 to 6 Years

Location: Bangalore

Employment Type: Full-Time

Role Summary We are looking for a domain-expert Senior Data Analyst to join our Debt Collections product team. In this role, you will be the strategic link between raw data and actionable business insights. You will collaborate closely with Data Engineers and Dashboard Developers to build and enhance sophisticated analytics products that track recovery rates, agent performance, and portfolio health. Your expertise in loan lifecycles will be critical in driving market value and optimizing collection strategies.

Key Responsibilities

● Product Evolution: Lead the functional design of new dashboard products, moving beyond simple metrics to predictive and prescriptive recovery insights.

● Stakeholder Collaboration: Act as the primary consultant for Dashboard Developers, translating complex business requirements into clear technical logic and KPIs.

● Recovery Analytics: Analyze debt collection funnels to identify bottlenecks in the recovery process and recommend data-driven strategies for increasing Promise to Pay (PTP) ratios.

● Dashboard Enhancement: Continuously audit and improve existing dashboards to ensure they provide high business value and reflect current market trends.

● Data Integrity & Logic: Work with Data Engineers to ensure the underlying data structures (SQL views/tables) accurately reflect loan statuses, delinquency buckets, and write-off logic.

● Advanced Reporting: Develop complex SQL queries and data models to support ad-hoc analysis for senior management and regulatory requirements.

Required Technical Skills

● Data Manipulation: Expert-level SQL (Window functions, CTEs, complex joins) is a must.

● Visualization Strategy: Deep experience with Tableau, Power BI, or Looker - not just building charts, but designing intuitive UI/UX for business users.

● Statistical Knowledge: Understanding of trend analysis, cohort analysis, and segmentation (critical for debt aging reports).

Domain-Specific Requirements

● Industry Experience: Proven track record working within Loan Recovery, Debt Collections, or Credit Risk environments.

● Product Sense: Experience in Product Analytics - specifically building internal or client-facing dashboard products rather than one-off reports.

● Domain Metrics: Mastery of industry KPIs such as Roll Rates, Days Past Due (DPD), Recovery Curves, and Collection Effectiveness Index (CEI).

Experience & Qualifications

● Experience: 3–5 years of experience in data analytics, with a heavy focus on financial services or fintech.

● Communication: Exceptional ability to explain technical data findings to non-technical business leaders and sell the value of new dashboard features.

Education: Bachelor's degree in Finance, Economics, Statistics, Computer Science, or a related field.

Preferred Edge Skills

● Experience with Automated Collection Systems or Dialer data analysis.

● Familiarity with Predictive Scoring (Propensity to Pay models).

● Knowledge of Data Warehousing concepts to help engineers structure data for faster dashboard performance.