Analyst/Senior Analyst

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 property (LAP), DigiGold investment, Insurance, Credit Score Report, and Expense Tracker. The group entity has an in- house RBI registered NBFC, and is currently Series-D funded with marquee investors like Premji Invest, Advent International, Motilal Oswal Private Equity, MUFG and TPG-backed NewQuest, among others.

Key Responsibilities
Performance Analytics :

• Develop real-time dashboards and reports to monitor sourcing funnels, and collection efficiency.
• Provide deep-dive analysis on key metrics like yield, NPAs, bounce rates, TATs, and approval/rejection ratios.

Risk & 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.
• Analyze impact of product changes on conversion and risk

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

• Bachelors/Masters degree in Statistics, Mathematics, Computer Science, Economics, or similar field
• 0-4 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 environments

Good 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

Disclaimer
This job description is intended to outline the general nature and key responsibilities of the position. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the role. The responsibilities and qualifications described may be subject to change, and other duties may be assigned as needed. Employment is at-will, meaning the employee or the employer may terminate the employment relationship at any time, with or without cause, and with or without notice.

Data Utilization Disclaimer
By applying for this position, you acknowledge and agree that any personal data you provide may be used for recruitment and employment purposes. The data collected will be stored and processed in accordance with our privacy policy and applicable data protection laws. Your information will only be shared with relevant internal stakeholders and will not be disclosed to third parties without your consent, unless required by law.

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