Lead - Personal Loan Analytics

Role snapshot You will lead Personal Loan Analytics for Aditya Birla Capital Digital (ABCD), driving end-to-end analytics across acquisition, underwriting insights, customer engagement, and portfolio performance. This role will focus on scaling unsecured lending growth through data-driven targeting, risk-aligned decisioning, and lifecycle optimization. This is a leadership role requiring strong hands-on expertise in analytics/data science, along with a deep understanding of lending business dynamics and the ability to influence stakeholders and build a high-performing team. Role details

Reporting to: Head – ABCD & ABC One Analytics

Location: Thane / Mumbai

About Aditya Birla Capital Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group. With a strong presence across Protecting, Investing, and Financing solutions, ABCL caters to customers across their financial lifecycle. With 34,000+ employees, 1,200+ branches, and 2,00,000+ partners, ABCL combines scale with the strength of the global Aditya Birla Group operating in 36 countries. About the Team: Aditya Birla Capital Digital (ABCD)

• ABCD is a wholly owned subsidiary established in 2023 for digital distribution and services
• It is building a D2C omni-channel platform (app + web) for lending, insurance, investments, and payments
• Drives acquisition, cross-sell, and engagement through digital + assisted channels (call center, branches)
• Focused on leveraging analytics, data, and technology to power growth and customer experience About the Role: Personal Loan Analytics & Data Science We are looking for a senior analytics leader with strong experience in unsecured lending (personal loans, consumer loans, digital lending ecosystems).

You Will Help ABCD Unlock Growth By

• Driving high-quality customer acquisition for personal loans
• Optimizing approval, conversion, and disbursal funnels
• Balancing growth with portfolio quality and risk metrics
• Enabling cross-sell and repeat borrowing through lifecycle analytics Key responsibilities
• Define lending analytics strategy for personal loans—aligning analytics initiatives with disbursal growth, conversion, and portfolio quality (NPAs, delinquency, early risk indicators)
• Drive acquisition and funnel optimization across sourcing channels—pre-approved offers, bureau-based targeting, partnerships, app/web journeys
• Build and optimize credit funnel analytics including eligibility filtering, drop-off analysis, approval-to-disbursal conversion, and TAT improvements
• Develop ML models such as credit propensity, approval likelihood, risk segmentation, early delinquency prediction, and collection prioritization
• Enable pre-approved and instant loan journeys using bureau, alternate data, and internal customer signals for faster decisioning
• Drive portfolio analytics including vintage analysis, cohort tracking, roll rates, bounce trends, and early warning indicators
• Collaborate with risk & underwriting teams to balance growth and risk—support scorecards, policy simulations, and segment-level strategies
• Design and deploy NBA/NBO frameworks for cross-sell, top-up loans, and repeat lending across channels
• Leverage omni-channel analytics (app, web, call center, branch, partners) to improve lead conversion and customer experience
• Implement AI-first analytics approach, using GenAI tools for insights generation, reporting automation, and business decision enablement (with clear governance)
• Drive campaign analytics & experimentation (A/B testing, channel optimization) to improve CAC, approval rates, and disbursal efficiency
• Partner with data engineering to build scalable lending datasets, bureau integrations, and customer 360 views
• Define KPIs & dashboards across funnel (lead → approval → disbursal), risk metrics (DPD, NPAs), and channel performance
• Ensure regulatory & compliance adherence across all analytics-driven lending practices
• Build and lead a high-performing analytics team, mentoring members and ensuring strong delivery and stakeholder management What you bring
• Bachelor’s/Master’s in Mathematics, Statistics, Engineering, or a related quantitative discipline
• 8–12 years of experience in analytics/data science with strong exposure to personal loans/unsecured lending/consumer finance
• Strong understanding of credit lifecycle, including acquisition, underwriting, risk management, and collections
• Hands-on expertise in Python, SQL, PySpark; experience working with large-scale datasets and cloud/data platforms
• Experience in credit risk modeling, propensity models, and funnel analytics
• Familiarity with bureau data, alternate data, and digital lending journeys
• AI-first mindset with exposure to advanced analytics/GenAI-enabled workflows
• Strong problem-solving skills—ability to translate business needs into analytical frameworks
• Proven ability to manage stakeholders across business, risk, product, and tech teams
• Experience in building and scaling analytics teams Why join ABCD
• Be part of a high-growth digital lending platform within a strong financial services ecosystem
• Own a critical charter driving personal loan growth and profitability
• Work on high-impact use cases—digital lending, pre-approved offers, and AI-led decisioning
• Solve problems across acquisition, risk, and lifecycle in an omni-channel environment
• Build and scale a strong analytics team and drive innovation in lending analytics