Collections Analyst

Collections Analyst

Department: Collections

Location: Mumbai. Full-time 

Experience: 2–6 years in fintech, NBFC, banking

About Apollo Finvest 

We are a publicly listed tech first NBFC — think AWS, but for lending. Armed with advanced APIs and capital, we team up with the best fintechs to offer digital loans across the country. It's where finance meets tech, with a splash of innovation, with a strong focus on innovation and customer experience. 

Check out Apollo's journey here! 

Apollo Cash is our digital personal loan app designed to provide fast, seamless access to credit — entirely through a mobile journey

Key Responsibilities

1. Collections Performance & Analytics

Monitor portfolio performance across pre-due and delinquent buckets to identify repayment trends, risk areas, and improvement opportunities.

Prepare regular MIS reports, dashboards, and performance trackers for internal reviews and business updates.

Analyze collection efficiency, overdue movement, repayment behavior, and agency-wise performance using Excel, SQL, Google Sheets, Metabase, or other BI tools.

2. Process, Automation & Strategy Support

Identify process gaps, reporting gaps, and operational inefficiencies within collections workflows.

Support improvements in SOPs, campaign journeys, reporting formats, agency processes, and daily execution routines.

Assist in automating recurring reports, trackers, mailers, and other operational workflows wherever required.

Contribute to collections experiments, strategy implementation, and continuous improvement initiatives.

3. Agency Coordination & Performance Management

Coordinate with external collection agencies for allocation tracking, daily follow-ups, performance reviews, and operational support.

Track agency productivity, collection outcomes, and key performance indicators to highlight gaps and improvement areas.

Maintain regular communication with agency partners to ensure execution discipline, target alignment, and process adherence.

Support initiatives aimed at improving agency efficiency, recovery performance, and overall collections output.

4. Borrower Communication & Escalation Support

Assist in designing and executing borrower communication campaigns across relevant channels such as SMS, WhatsApp, IVR, email, and calls.

Draft and maintain standard templates for payment reminders, follow-ups, and common borrower communication scenarios.

Support borrower escalation handling by reviewing account-level details, repayment history, and available supporting information.

Coordinate with internal teams such as customer support, operations, grievance, legal, risk, product, and tech for timely issue resolution.

5. Compliance & Stakeholder Alignment

Ensure borrower communication, agency coordination, and collections activities are aligned with internal policies and applicable regulatory expectations.

Support documentation, audit readiness, and process adherence across collections workflows.

Participate in review discussions with internal teams and external partners to ensure smooth execution of collection strategies.

Help maintain a structured, compliant, and customer-sensitive approach across collections operations.

Required Skills & Qualifications

Experience in NBFC, STPL/fintech, or digital lending.

Strong Excel / Google Sheets skills, including pivots, lookups, formulas, and structured reporting.

Basic to intermediate SQL knowledge, and BI tools such as Metabase, Sisense, etc.

Good understanding of collections metrics such as DPD, roll rates, flow rates, payment %, overdue amount, bounce, recovery, settlement, and agency performance.

Strong analytical thinking with the ability to convert raw data into clear insights.

What We Offer

Competitive salary and benefits.

Opportunity to work directly with senior leadership in a high-impact, fast-growing fintech environment.

A fast-paced, collaborative culture that values ownership, learning and problem-solving.