Collection Strategy Role

Location

Reporting to

About Stashfin

Stashfin is one of India’s leading digital lending platforms, focused on providing seamless and responsible credit solutions to millions of customers. Backed by marquee investors, Stashfin leverages cutting-edge technology, robust risk analytics, and a customer-first approach to drive financial inclusion and empower individuals across the country. With a strong culture of innovation and excellence, Stashfin offers a dynamic work environment and significant growth opportunities.

Role Overview

As a member of the Collection Strategy and Analytics team, you will play a key role in designing, implementing, and optimizing collection strategies to minimize delinquency and credit losses. The role involves leveraging data-driven insights, robust MIS frameworks, and close coordination with multiple stakeholders to drive collection efficiency and portfolio health.

Key Responsibilities

Strategy Development

•     Design and implement data-driven collection strategies for various customer segments and delinquency buckets (pre-delinquency, early, mid, late stage).

•     Develop and optimize segmentation frameworks, risk scoring, and allocation logic for tele-calling, field, legal, and digital channels.

•     Collaborate with business, risk, and product teams to drive process improvements and enhance collection outcomes.

•     Monitor regulatory developments and ensure strategies are compliant with internal and external guidelines.

Analytics & Reporting

•     Analyze portfolio trends, delinquency rates, roll rates, flow rates, and recovery performance across products, geographies, and channels.

•     Perform root cause analysis for collection bottlenecks and recommend actionable solutions.

•     Develop and track early warning indicators and pre-delinquency triggers.

MIS (Management Information System)

•     Design, generate, and automate regular dashboards, MIS reports, and management presentations on key collection KPIs (such as flow rates, resolution, bucket movement, etc.).

•     Ensure data accuracy, timeliness, and consistency in all reporting deliverables.

•     Support ad-hoc data requests and provide actionable insights to business stakeholders.

•     Work closely with IT/data teams to streamline data extraction, report automation, and quality checks.

Process Optimization

•     Support automation of collection allocation, tracking, and performance measurement.

•     Leverage predictive analytics and machine learning models to improve targeting and resource allocation.

•     Conduct periodic benchmarking and gap analysis against industry peers.

•     Lead or support key collection initiatives including agency onboarding, process reengineering, technology rollouts, and pilot projects.

•     Liaise with IT, vendor, and process teams to ensure successful execution of projects.

Key Skills & Competencies

•     Strong analytical, problem-solving, and data interpretation skills.

•     Hands-on expertise with SQL, Excel, Python (preferred), and data visualization tools (Power BI).

•     Advanced proficiency in MIS design, automation, and reporting.

•     Understanding of collection processes, lending products, and credit risk concepts.

•     Experience in statistical analysis, cohort tracking, and portfolio health monitoring.

•     Excellent communication and stakeholder management skills.

•     Ability to work independently and as part of a cross-functional team.

•     Attention to detail and result orientation.

Qualifications & Experience

•     Graduate/Postgraduate in Finance, Statistics, Engineering, Economics, or related fields.

•     2–7 years of experience in Collections Strategy, Credit Risk, Analytics, MIS, or similar functions in BFSI/Fintech.

•     Prior experience in unsecured lending (PL, Credit Cards, MFI, Consumer Loans) is an advantage.

• If you are passionate about leveraging analytics and technology to drive impactful outcomes in collections, and want to be a part of a fast-growing fintech, Stashfin is the place for you.