Senior Analyst - Credit Operations

Senior Analyst - Credit Operations

Responsibilities

Own weekly reporting on the borrower funnel: Application Completion Rate, Offer Acceptance Rate, TAT, and stage-level drop-off.

• Root-cause funnel bottlenecks from registration to disbursal and propose fixes with sized impact.
• Own retention and repeat-borrower analysis: cohort trends, churn drivers, early-warning signals.
• Design and run retention tests, and report results against a stated baseline.
• Analyse collections performance - recovery rate by DPD bucket, in-house vs agency allocation, agent-level productivity - and hand the collections team ranked priorities.
• Run reconciliations across disbursements, repayments, and fund movements, clearing discrepancies with IT.
• Track tele-sales, support, and voicebot performance against target: FRT, CSAT, conversion throughput.
• Build and maintain the reporting and automation layer - SQL, dashboards, AI tooling - that turns raw data into decision-ready recommendations.

6-12 Month Expectations

• Registration-to-Disbursal conversion improved by 5 percentage points, off the drop-off diagnostic that drove it.
• Month-on-month repeat-borrower retention held at 15% every month and reaching 20% by month 12, off a documented cohort and churn analysis.
• Reconciliation and the tele-sales readout (FRT, CSAT, conversion) running as standing processes, with zero unexplained discrepancies and zero SLA breaches.

Who We Are Looking For

• 3-5 years in business operations, product, or web/app analytics within digital consumer lending or a high-growth fintech.
• Hands-on SQL plus Python or Apps Script: writes and runs own queries against raw tables, builds automations with no dependency on an engineer.
• Advanced daily use of AI tools: drafting and stress-testing queries, running automations, building dashboards and readable reports.
• Broke down an ambiguous operational problem against large, messy data and defended the recommendation to the people who had to act on it.
• Written SOPs and process notes that a team then ran on.
• Working knowledge of the Indian digital lending ecosystem and core credit concepts: DPD buckets, disbursal flow, repayment and collection mechanics.
• Track record of switching between analysis and hands-on execution - this is not an advisory role.
• Fluent in English.