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Paytm, India's leading financial services company, is seeking a Collections & Analytics Specialist to manage daily collections operations, MIS reporting, and analytical strategy development. You will bridge raw collections data and high-impact strategy, optimizing resource allocation, automating reporting workflows, and applying predictive segmentation to improve recovery rates and minimize credit losses.
Key Responsibilities:
- Manage daily portfolio allocations to internal collection teams, telecallers, field agents, and external agencies
- Create, maintain, and publish daily, weekly, and monthly MIS dashboards and executive presentations for stakeholders and regional teams
- Monitor daily run rates across FTEs, telecalling, field teams, and agencies to track resolution progress
- Enhance existing reports, develop new tracking tools, and automate manual data workflows to increase team productivity
- Assist in developing and refining the bank's master Collections Strategy document for standardized execution across all channels
- Perform behavioral customer segmentation and leverage statistical/predictive modeling to tailor recovery strategies across different risk buckets
- Design and execute champion-challenger frameworks with cost-benefit analyses to test and scale high-performing recovery tactics
- Break down loss forecasts into collection roll rates and recovery rates; monitor Account-to-Collection Ratios (ACR) by bucket
- Analyze Direct Recovery Agent (DCA) and agency performance; implement targeted optimization strategies
- Align collection strategies with regulatory requirements to ensure compliant, individualized customer contact practices
Requirements:
- Minimum 2 years of hands-on experience in Collections BAU, MIS reporting, or Collections Analytics within Banking, NBFC, or Fintech environments
- Advanced proficiency in Excel, SQL, and BI tools (Power BI/Tableau); experience with statistical modeling tools (R, Python, or SAS) is a plus
- Strong aptitude for quantitative analysis, structured/unstructured big data handling, and financial modeling (roll rates, loss forecasting)
- Clear presentation and stakeholder management skills to translate complex data into actionable executive insights
