COLLECTION ANALYTICS - UNSECURED

COLLECTION ANALYTICS - UNSECURED

Role Profile

Role Title: Business & Collection Analytics 

 ROLE SPECIFICATION

Role TitleCollection Analytics Recovery

Employee InterviewedSETHUNATH

Reports ToBH - UNSECURED LOANS

CompanyMuthoot Fincorp Limited

Function/DepartmentSecured & Unsecured Lending Business / Recovery

Written By

Approved By (Jobholder)

Approved By (Immediate Superior)

Date (Written On)

ROLE SUMMARY

Lead the end-to-end analytics function for mortgage loan collections by developing real-time dashboards, daily MIS, and predictive models to optimize recovery efforts across field, digital, and call center channels. Provide actionable insights to drive portfolio behavior improvement, reduce delinquency, and support legal recovery processes.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Dashboard & MIS Development: 

Build and manage real-time dashboards and MIS for

Field effort & productivity (visits, PTP adherence, GPS tracking)

Digital collections (campaign tracking, payment link conversion)

Call Centre performance (call connect rates, dispositions, payment conversions)

Legal recovery (SARFAESI notices, possession status, auction pipeline, Sec-138/25, Arbitration and EP)

Business Analytics

Build & manage real time dashboards for Key business metrics for acquisition, disbursement, productivity, penetration and profitability.

Predictive analysis for Business 

Build analytical models for Productivity improvements across Branch and BDO distributions. 

Business Model Building.

Build models for optimal Ticket sizing, pricing, delinquency parameters to ensure right product models are implemented in market. 

Portfolio Monitoring: 

Deliver daily/weekly reports on portfolio performance, DRR adherence, bucket movement, and flow-through analysis with drill-down capability.

Predictive Analytics: 

Develop models to forecast slippage risk, propensity to pay, and channel suitability for prioritized recovery action.

Channel Optimization: 

Analyze and compare efficiency of field, digital, and call center channels; recommend account allocation and escalation strategies.

Stakeholder Collaboration: 

Work closely with collections leadership, field teams, digital, call center, and legal teams to translate analytics into operational execution.

•Loan default prediction 

•Early Warning Signal

•Portfolio Quality (Reduction in 30+ ,60+. NPA)

•Collection Analytics (Improvement in collection efficiency and recovery rate

•Automation – Number of manual processes got automated

•Regulatory Compliance (100% compliance with model Governance and audit requirements) 

KEY CHALLENGES

•Rapid technological changes 

•stakeholder communication

KEY INTERACTIONS

Across all the Functions in BPFD

KEY SKILLS & BEHAVIOURAL ATTRIBUTES 

•Core technical skills

•SQL, Python 

•Power BI / Tableau

•Experience with loan management systems, field apps Collection platform, dialers, and digital communication platforms etc

•Strong communication and business partnering skills

•Data visualization

•Business and analytical skills

•Data cleaning & preparation

•Critical & structural thinking

•Continuous adaptability

SUCCESS METRICS:

•Achievement of daily DRR targets across channels

•Reduction in portfolio flow to higher delinquency buckets

•Increased digital and call Centre recovery contribution

•Dashboard adoption and usage by all stakeholders

EDUCATION / EXPERIENCE

•8+ years in analytics, preferably in secured loan/mortgage collections

•Strong expertise in field, digital, and call Centre collections analytics

•Bachelor’s/Master’s in Statistics, Data Science or related.