kreditbee - Senior Data Analyst - Loan Origination System
1 week ago
Location : BangaloreExperience : 3-4 years in Data Analytics (preferably in Fintech/NBFC Lending)Role Summary :The Senior Data Analyst will play a pivotal role in shaping the LAP portfolio strategy by delivering data-driven insights across credit, collections, customer behavior, and channel performance. You will collaborate cross-functionally with Product, Credit, Risk, and Technology teams to optimize end-to-end lending operations. Key Responsibilities :Business & Performance Analytics :- Develop real-time dashboards and reports to monitor LAP disbursements, sourcing funnels, and collection efficiency.- Provide deep-dive analysis on key metrics like yield, NPAs, bounce rates, TATs, and approval/rejection ratios.- P&L analysis with actionable insightsRisk & Credit Insights :- Work closely with the credit and risk teams to refine underwriting rules using data.- Analyze borrower profiles to optimize approval rates and minimize delinquencies.- Build early warning systems for identifying at-risk accounts and segments.Customer & Channel Analytics :- Segment customers using demographic, financial, and behavioral data to drive better targeting and engagement.- Analyze DSA and channel partner performance; optimize sourcing efficiency and partner payouts.- Monitor cross-sell, top-up to identify growth opportunities.Product & Pricing Strategy :- Evaluate pricing effectiveness using portfolio performance and competitor benchmarks.- Analyze impact of product changes on conversion, risk, and profitability.Process & Funnel Optimization :- Use funnel data to identify drop-offs and TAT issues in the digital LOS/LMS journey.- Recommend workflow enhancements to improve user experience and reduce operational frictions.Advanced Analytics & Modeling :- Build and maintain models for credit risk, prepayment, bounce prediction, etc., using machine learning or statistical techniques.- Leverage alternate data sources (GST, bank statements, bureau data, property valuation) for deeper insights.Required Skills & Qualifications :- Bachelor's/Master's degree in Statistics, Mathematics, Computer Science, Economics, or similar field- 3-4 years of analytics experience in lending - ideally with a Fintech, NBFC, or Digital Lending platform- Strong command of SQL and Python for data analysis and modeling- Experience with BI tools like Power BI, Tableau- Understanding of LAP-specific metrics (LTV, FOIR, property type impact, delinquency buckets, etc.)- Exposure to LOS/LMS/lending systems- Strong business acumen, with the ability to convert data into strategy- Experience working in agile, cross-functional product and tech environmentsGood to Have :- Experience with alternate underwriting data (e.g., GST, bank statement parsing, social data)- Exposure to bureau data analytics (CIBIL, CRIF)- Familiarity with property verification technology, or geolocation-based analysis (ref:hirist.tech)
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Bengaluru, India KreditBee Full timeJob Description :About Company : KreditBee is Indias largest fintech lending platform with a current monthly disbursement of over ?2200 Crores. It has 70 Million+ downloads on Google Play Store and over 85 Lakh unique loan customers. It offers various financial services digitally including but not limited to Personal Loans, Business Loans, Loan against...
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