Business Analyst - Assistant Manager - Lending

About Us Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants, and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited, which owns the Paytm brand, was founded by Vijay Shekhar Sharma. Role Overview We are seeking a data-driven Collections & Analytics Specialist with 2+ years of experience to manage daily business-as-usual (BAU) operations, MIS reporting, and analytical strategy development. In this role, you will bridge the gap between raw collections data and high-impact strategy—optimizing resource allocation, automating reporting workflows, and applying predictive segmentation to improve recovery rates and minimize credit losses. Key Responsibilities Collections Daily BAU & MIS Management Allocation Management: Handle daily portfolio allocations to internal collection teams, telecallers (TC), field agents, and external agencies. MIS Reporting: Create, maintain, and publish daily, weekly, and monthly MIS dashboards and executive PPT decks for key stakeholders and regional teams. Performance Tracking: Monitor daily run rates (DRR) across FTEs, telecalling, field teams, and agencies to track resolution progress. Process Automation: Continuously enhance existing reports, develop new tracking tools, and automate manual data workflows to increase overall team productivity. Collections Analytics & Strategy Formulation: Assist in developing and refining the bank’s master Collections Strategy document to ensure standardized execution across all channels. Segmentation & Modeling: Perform behavioral customer segmentation and leverage statistical/predictive modeling to tailor recovery strategies across different risk buckets. Champion-Challenger Testing: Design and execute champion-challenger frameworks—supported by cost-benefit analyses—to test and scale high-performing recovery tactics. Loss Forecasting & Performance Metrics: Break down loss forecasts into collection roll rates and recovery rates, while monitoring Account-to-Collection Ratios (ACR) by bucket. DCA & Agency Optimization: Analyze agency performance and implement targeted strategies for Direct Recovery Agents (DCA). Compliance & Governance: Align collection strategies with regulatory requirements to ensure individualized, compliant customer contact practices. Qualifications & Requirements Experience: Minimum 2 years of hands-on experience in Collections BAU, MIS reporting, or Collections Analytics within Banking, NBFC, or Fintech environments. Technical Skills: Advanced Proficiency in Excel, SQL, and BI tools (Power BI/Tableau); experience with statistical modeling tools (R, Python, or SAS) is a plus. Analytical Capability: Strong aptitude for quantitative analysis, structured/unstructured big data handling, and financial modeling (roll rates, loss forecasting). Communication: Clear presentation and stakeholder management skills to translate complex data into actionable executive insights Join Us A collaborative, output-driven environment that brings cohesiveness across businesses through technology. Opportunities to improve Average Revenue Per User (ARPU) by unlocking massive cross-sell opportunities across Paytm’s user base. A solid 360 circle feedback culture supported by peer teams aligned with your goals. Compensation : If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!