Job Purpose

Join our Portfolio, Cross‑Sell & Collection Analytics team to drive data‑backed strategies that enhance portfolio quality, unlock customer value, and support business growth. You will work across portfolio diagnostics, cross‑sell strategy, and risk insights to help shape smarter credit and customer engagement decisions.

Role

- Monitor portfolio health through deep‑dive analytics, dashboards, and early‑warning insights
- Identify high‑value customer segments for cross‑sell using behavioural data and predictive analytics
- Analyse campaign performance across channels and recommend actions to improve conversion & ROI
- Partner with marketing to analyse channel performance, campaign effectiveness, and audience targeting.
- Build data‑driven customer journeys for hyper‑personalized communication across digital channels
- Conduct root‑cause analysis of portfolio trends, acquisition quality, and campaign outcomes
- Collaborating with Credit, Risk, Business, Marketing, and Product teams to build data‑led strategies




- Drive process improvements across data, reporting, and analytics workflows
- Build actionable insights to improve collection efficiency, pre-delinquency management and reduce overdue buckets.
- Conduct deep‑dive analysis on customer payment behaviour, delinquency patterns, and slippage root causes.
- Develop segmentation strategies for early-, mid-, and late‑stage collections.

Qualification & experience

Bachelor’s or master’s degree in engineering, Economics, Statistics, Mathematics, or any quantitative discipline.2–4 years of relevant experience in risk analytics, preferably in BFSI.

Essential skills

- Strong command of Excel, SQL, Python/R, and statistical modelling.
- Prior exposure to PL portfolio analytics OR XSell & Collection Analytics.
- Strong Business Acumen with out of the box thinking
- Solid Strategic and Tactical communications Skills

Ability to work independently

📌 Analytics - Portfolio/Cross-sell/Collections Analytics (Mumbai)
🏢 Godrej Capital
📍 Mumbai