Data Analyst

KreditBee is seeking a highly skilled and data-driven Data Analyst / Senior Analyst to join our dynamic Loan Against Property (LAP) Credit team. This role is crucial for optimizing portfolio performance and enhancing borrower journeys through insightful data analysis. The ideal candidate will leverage their expertise in analytics to dissect sourcing funnels, refine credit risk models, and integrate alternate data sources to drive strategic decision-making within our lending operations.

As a Data Analyst / Senior Analyst at KreditBee, you will play a pivotal role in maintaining the health and efficiency of our LAP portfolio. You will be instrumental in identifying key performance indicators, building predictive models, and working collaboratively with cross-functional teams to implement data-backed solutions. This is an exciting opportunity for a professional passionate about leveraging data to solve complex business challenges in the fintech lending space.

Key Responsibilities

• Develop and maintain real-time dashboards to monitor critical performance metrics such as sourcing funnels, yield, NPAs, bounce rates, and collection efficiency for the LAP portfolio.
• Collaborate with risk management teams to enhance underwriting rules, construct early warning systems, and meticulously evaluate the impact of new product introductions and changes.
• Pinpoint and analyze drop-offs and turnaround time (TAT) bottlenecks across various digital Loan Origination System (LOS) and Loan Management System (LMS) platforms.
• Design and implement advanced predictive models, including credit risk, bounce, and prepayment models, utilizing a range of statistical and machine learning techniques.
• Provide actionable insights from data analysis to senior management, supporting strategic planning and operational improvements for the LAP segment.
• Investigate and integrate alternate data sources, such as GST and bank statement parsing, to enrich our credit assessment capabilities.

Requirements

• 2-4 years of hands-on analytics experience, specifically within the Fintech, NBFC, or digital lending sectors.
• Demonstrated strong proficiency in SQL and Python for data manipulation and analysis.
• Experience in creating interactive reports and dashboards using Power BI or Tableau.
• A deep and comprehensive understanding of lending and LAP-specific metrics, including Loan-to-Value (LTV), Fixed Obligation to Income Ratio (FOIR), and various delinquency buckets.
• A Bachelor's or Master's degree in Statistics, Mathematics, Computer Science, Economics, or another related quantitative field.
• Familiarity with credit bureau data (e.g., CIBIL/CRIF) and property/geolocation technology is a plus.

What We Offer

• An opportunity to work in a fast-paced and innovative fintech environment.
• Exposure to advanced analytics and machine learning applications in lending.
• A collaborative work culture that fosters professional growth and learning.
• The chance to make a significant impact on core business functions and strategies.
• Competitive salary and benefits package.