About EarlySalary:

EarlySalary is an instant line of credit to young working Indians. EarlySalary is a pioneer in introducing instant loans & salary advances and has disbursed over Rs.4,000Cr worth of loans on its platform and currently disbursed nearly 100,000 loans a month and is considered one of the largest Digital Consumer FinTech Lenders in the country. EarlySalary is a series C funded start-up and has raised multiple rounds of investment from global investors including Eight Roads (Fidelity) Ventures & Chiratae (IDG) Ventures and is considered one of the fastest-growing FinTech start-ups in India. With a clear focus to disrupt the finance and banking domain, EarlySalary has built a strong team focused on building Technology, mobile platform, Risk & AI/ML models to better decisioning and real-time lending. As a full-stack lender we manage both sides of the business building better technology and products for powering our lending platform and build ML models for better risk mitigation and giving real-time decisions to our customers. 

Our ML & Risk Analytics Stack & Practice is focused on building a better Risk Score Card & building a high amount of automation. EarlySalary is considered one of the fastest & most automated lenders in the Industry.

Job Title : Collections Analytics

Exp : 4 – 8 years

Job location : Pune

Core Responsibilities :

• The successful candidate will be responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth and loss mitigation goals.
• The core responsibilities will include - use sophisticated analytical techniques to solve a business problem specific towards Collections & Recovery and build collections strategy around the portfolio.
• To develop customer risk strategies, segmentation and profiles, using data science based tools and techniques for driving collections & recovery management.
• To work closely with risk and underwriting team for improvement in collections and closing the feedback loop on the delinquent cases.
• Coordinate and collaborate with Policy team to ensure flawless execution of policy.
• Communicate policy changes and test recommendations, program approvals, MIS and performance trends with key stakeholders and senior management.
• Design modules for advanced score card development and analytical tools and understand the impact of deployed models
• Participate in the implementation of sophisticated analytical models in live operating environments within the organization.
• Create and publish timely collections control reports to support collections to achieve their targets for the portfolio across various products

Preference and Experience:

• 1+ years of experience in an analytical capacity required
• Ability to work with a large amount of data (size in TB- s)
• Extensive coursework/experience in quantitative analysis & statistical modeling in consumer credit risk will be a plus.
• Understanding of consumer credit risk management, Credit Profit & Loss Drivers preferred
• Excellent written and verbal communication skills, and be able to prepare presentations for executive-level audience and familiarity with Power Point, Excel, Visual Basic
• Prior experience in banking or nbfc (credit cards or personal loan) will be a plus
• Detailed-oriented, high level of intellectual curiosity and strong sense of ownership.
• Demonstrated ability to multi-task effectively and work against tight deadlines
• Good business acumen and the ability to connect analytics with business decisions

Technical capability :

• Hands-on experience with SQL (or similarly structured on the non-structured database)
• Hands-on experience with Tableau (or similar tools)
• Experience in python (or similar tools) will be an added advantage

Academic qualifications :

• Degree in Statistics, Physics, Applied Mathematics, Operations Research, Econometrics, Engineering or another quantitative discipline