Portfolio & Delinquency Analyst
Northern Arc Capital · Mumbai · onsite · Posted 51d ago
About a minute. You'll make an account on the way through.
About this role
We are looking for a highly analytical and detail-oriented professional to support portfolio monitoring, delinquency analytics, collections performance tracking, and management reporting across lending portfolios. The role requires strong ownership, hands-on analytical capabilities, and effective coordination with the Business, Collections, Finance, and Risk teams.
The core responsibilities for the job include the following:
Portfolio and Delinquency Analytics:
- Monitor portfolio performance across delinquency buckets, including 1-30 30+, 60+, and 90+.
- Perform vintage, MOB, roll-rate, bucket-movement, and resolution analyses.
- Identify early-warning indicators and stressed portfolio segments.
- Track collection efficiency and delinquency trends.
Reporting and MIS:
- Prepare daily, weekly, and monthly MIS dashboards for management review.
- Develop and automate reporting frameworks using SQL, Python, Excel, and Power BI.
- Ensure data accuracy through appropriate validation and reconciliation controls.
- Prepare portfolio insights and presentation-ready summaries for stakeholders.
Strategy and Analytical Support:
- Evaluate collection strategies and identify opportunities for improvement.
- Support collection prioritization and portfolio segmentation exercises.
- Build analytical frameworks for recovery optimization and portfolio monitoring.
- Analyze large datasets from internal systems, credit bureaus, and other external sources.
Stakeholder Management:
- Coordinate with the Collections, Business, Finance, and Risk teams.
- Support management discussions with analytical insights and performance commentary.
- Deliver ad hoc analytical requirements within agreed timelines.
Requirements:
- Strong analytical and problem-solving abilities.
- Good understanding of portfolio analytics and collection processes.
- Hands-on experience with SQL, Python, and Excel.
- Working knowledge of visualization tools such as Power BI or Tableau.
- Strong communication and presentation skills.
- Ability to work with large datasets and derive actionable insights.
- (Experience in senior analytics professional + lending/collections domain expertise + SQL/Python + delinquency/vintage/MOB/roll rate + MIS/Power BI. )
Preferred Background:
- Experience in banking, NBFCs, fintech, lending, or financial services.
- Understanding of delinquency metrics, vintage analysis, MOB analysis, roll rates, and collection MIS.
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About Northern Arc Capital
Northern Arc Capital
NBFC
1.1k+
employees
2009
17 years old
Chennai, Tamil Nadu
India
About
Every institution has a starting point. For Northern Arc Capital, that journey began in 1989 in Madras (now Chennai) as Highland Leasing & Finance Private Limited.
Over the years, the company underwent a significant transformation. Following its acquisition by IFMR Trust in 2008, it became IFMR Capital Finance Private Limited. In 2018, as part of a strategic rebranding, it was renamed Northern Arc Capital Limited reflecting its evolution into a forward-looking financial services platform.
Northern Arc Capital is a diversified financial services platform dedicated to meeting the credit needs of underserved households and businesses across India. Operating at the intersection of lending, investments, and technology, the company has built a model designed to enable efficient and scalable credit delivery.
This model is anchored in a dual-channel approach:
- Direct-to-Customer (D2C) lending across core sectors such as MSMEs, consumer finance, and rural finance
- Credit Solutions for Originator Partners, including fund management, structured debt placements, intermediate retail lending, and SaaS offerings
Together, these channels enable Northern Arc to address critical credit gaps with a focus on inclusion, scale, and sustainability.
The impact of this approach is reflected in the company’s reach and ecosystem.
Since 2009, Northern Arc has facilitated over INR 2.2 trillion in financing, reaching more than 130 million lives across 28 states, 7 union territories, and 680 districts.
Its wide distribution network includes 360+ branches, 50+ digital and retail lending partners, 350 originator partners, and 1,300+ investors, making Northern Arc one of the most extensive players in India’s retail credit ecosystem.
Over time, the company has strengthened its capital base and investor participation. Alongside other marquee investors, institutions such as IFC have contributed to its growth journey.
FY 2024–25 marked a landmark year in Northern Arc’s journey. The company successfully completed its Initial Public Offering in September 2024, raising INR 777 crore (including INR 500 crore of primary capital). These milestones further strengthen its capital base and position the company for the next phase of growth.
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