Role Profile

Role Title: Collection Analytics

ROLE SPECIFICATION

Role Title

Collection Analytics

Employee Interviewed

Reports To

National Collection Head - Recovery

Company

Muthoot Fincorp Limited

Function/Department

Secured & Unsecured Lending Business / Recovery

Written By

Approved By (Jobholder)

Approved By (Immediate Superior)

Date (Written On)

ROLE SUMMARY

Support the end to end analytics function for unsecured loan collections by developing MIS, dashboards, and analytical insights to improve recovery performance across field, digital, and call centre channels. Drive data-backed actions to reduce roll rates, improve customer contactability, and enhance collection efficiency.

ORGANIZATIONAL CHART

National Collection Head - Recovery

Collection Analytics

KEY RESPONSIBILITIES

Dashboard & MIS Development

Build and maintain daily/weekly MIS and dashboards covering:

Field collections (visits, PTP adherence, FOS productivity)

Digital collections (SMS/WhatsApp/email campaigns, payment link conversion, self-cure rates)

Call centre performance (connect rates, RPC/PTP, conversion to payments)

Recovery tracking for pre-write-off and post-charge-off portfolios

Ensure automation, accuracy, and timeliness of reporting

Portfolio Monitoring

Track bucket-level performance (1–30, 31–60, 61–90, 90+)

Analyze roll rates, flow-through, bounce trends, and resolution rates

Monitor daily DRR (Daily Resolution Rate) vs targets

Identify high-risk segments and early warning signals for slippage

Analytical Support & Modeling

Support development of

Propensity to pay models

Segmentation for prioritization (value risk contactability)





Early-stage risk indicators for delinquency prevention

Perform cohort, vintage, and segmentation analysis to optimize strategies

Channel Optimization

Evaluate and compare channel efficiency (field vs digital vs call centre)

Track cost vs recovery and productivity metrics

Support account allocation strategies based on:

Customer segment

Ticket size

Delinquency stage

Recommend treatment strategies (digital-first, call-first, field escalation)

Stakeholder Collaboration

Work closely with collections teams, dialer teams, digital campaigns, and risk teams

Provide actionable insights for daily ops reviews

Support leadership with analytics for strategy decisions and performance reviews

Skills & Tools

SQL (mandatory), Python (preferred)

Power BI / Tableau

Experience with

Dialer systems

Digital communication platforms (SMS, WhatsApp, email engines)

Collection platforms / LMS

Robust analytical, problem-solving, and business communication skills

Success Metrics

Accuracy and timeliness of MIS and dashboards

Improvement in DRR and resolution rates across buckets

Reduction in roll-forward / flow to higher delinquency buckets

Increased digital and call centre recovery contribution

Improved contactability and conversion rates

Adoption of dashboards by operations teams

EDUCATION / EXPERIENCE

5 to 7 years of experience in analytics, preferably in unsecured lending collections

Strong exposure to high-volume, high velocity collections environments

Bachelor’s/Master’s in Statistics, Data Science, Mathematics, Engineering, or related field

Nature of Experience: 5+ Years Experience

📌 Collection Analytics (Chennai)
🏢 Muthoot Fincorp
📍 Chennai