Data Analyst - Portfolio/Cross-sell/Collections Analytics

Job Purpose

Join our Portfolio, CrossSell & Collection Analytics team to drive databacked strategies that enhance portfolio quality, unlock customer value, and support business growth. You will work across portfolio diagnostics, crosssell strategy, and risk insights to help shape smarter credit and customer engagement decisions.

Role

• Monitor portfolio health through deepdive analytics, dashboards, and earlywarning insights
• Identify highvalue customer segments for crosssell using behavioural data and predictive analytics
• Analyse campaign performance across channels and recommend actions to improve conversion & ROI
• Partner with marketing to analyse channel performance, campaign effectiveness, and audience targeting.
• Build datadriven customer journeys for hyperpersonalized communication across digital channels
• Conduct rootcause analysis of portfolio trends, acquisition quality, and campaign outcomes
• Collaborating with Credit, Risk, Business, Marketing, and Product teams to build dataled strategies
• Drive process improvements across data, reporting, and analytics workflows
• Build actionable insights to improve collection efficiency, pre-delinquency management and reduce overdue buckets.
• Conduct deepdive analysis on customer payment behaviour, delinquency patterns, and slippage root causes.
• Develop segmentation strategies for early-, mid-, and latestage collections.

Qualification & experience

Bachelors or masters degree in engineering, Economics, Statistics, Mathematics, or any quantitative discipline.24 years of relevant experience in risk analytics, preferably in BFSI.

Essential skills

• Strong command of Excel, SQL, Python/R, and statistical modelling.
• Prior exposure to PL portfolio analytics OR XSell & Collection Analytics.
• Strong Business Acumen with out of the box thinking
• Strong Strategic and Tactical communications Skills

Ability to work independently