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.
Solid Business Acumen with out of the box thinking
Strong Strategic and Tactical communications Skills
Ability to work independently

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