Senior Analyst - Credit Operations

Responsibilities

Own weekly reporting on the borrower funnel: Application Completion Rate, Offer Acceptance Rate, TAT, and stage-level drop-off.

- Root-cause funnel bottlenecks from registration to disbursal and propose fixes with sized impact.
- Own retention and repeat-borrower analysis: cohort trends, churn drivers, early-warning signals.
- Design and run retention tests, and report results against a stated baseline.
- Analyse collections performance - recovery rate by DPD bucket, in-house vs agency allocation, agent-level productivity - and hand the collections team ranked priorities.
- Run reconciliations across disbursements, repayments, and fund movements, clearing discrepancies with IT.
- Track tele-sales, support, and voicebot performance against target: FRT, CSAT, conversion throughput.
- Build and maintain the reporting and automation layer - SQL, dashboards, AI tooling - that turns raw data into decision-ready recommendations.

6-12 Month Expectations

- Registration-to-Disbursal conversion improved by 5 percentage points, off the drop-off diagnostic that drove it.
- Month-on-month repeat-borrower retention held at 15% every month and reaching 20% by month 12,



off a documented cohort and churn analysis.
- Reconciliation and the tele-sales readout (FRT, CSAT, conversion) running as standing processes, with zero unexplained discrepancies and zero SLA breaches.

Who We Are Looking For

- 3-5 years in business operations, product, or web/app analytics within digital consumer lending or a high-growth fintech.
- Hands-on SQL plus Python or Apps Script: writes and runs own queries against raw tables, builds automations with no dependency on an engineer.
- Advanced daily use of AI tools: drafting and stress-testing queries, running automations, building dashboards and readable reports.
- Broke down an ambiguous operational problem against large, messy data and defended the recommendation to the people who had to act on it.
- Written SOPs and process notes that a team then ran on.
- Working knowledge of the Indian digital lending ecosystem and core credit concepts: DPD buckets, disbursal flow, repayment and collection mechanics.
- Track record of switching between analysis and hands-on execution - this is not an advisory role.
- Fluent in English.

📌 Senior Analyst - Credit Operations (Bangalore Rural)
🏢 Alpha Rupee
📍 Bangalore Rural