Vice President of Analytics

Job Overview

The SVP, Analytics - Collection will lead the end-to-end analytics strategy for collections across all lending products. This role is responsible for driving data-led decision-making to improve recoveries, optimize collection strategies and minimize credit losses. The incumbent will partner closely with Collections, risk and technology teams to build scalable analytics solutions and enhance portfolio performance.

Key Roles & Responsibilities

1. Strategy & Leadership

• Define and execute the overall analytics strategy for collections across all products within SMFG India.
• Lead, mentor and scale a high-performing analytics team focused on collections performance and recovery optimization.
• Partner with senior leadership to align collection strategies with business goals and risk appetite.

2. Advanced Analytics & Modeling

• Develop and deploy predictive models for delinquency roll rates, recovery probability, and loss forecasting.
• Build segmentation frameworks to prioritize accounts and optimize allocation strategies (field, tele-calling, digital).
• Leverage machine learning techniques to improve collection efficiency and customer engagement strategies.

3. Portfolio Monitoring & Insights

• Design dashboards and frameworks to track key collection KPIs such as roll rates, resolution rates, and recovery efficiency.
• Conduct deep-dive analysis on delinquent portfolios to identify trends, root causes and opportunities for improvement.
• Provide actionable insights to optimize strategies across early - mid - late-stage collections.

4. Strategy Optimization & Experimentation

• Design and execute champion-challenger frameworks to continuously test and improve collection strategies.
• Optimize contact strategies (channels, frequency, timing) using data-driven experimentation.

5. Cross-functional Collaboration

• Collaborate with technology teams to build scalable data infrastructure and real-time analytics capabilities.
• Support product teams in designing customer-centric collection journeys.

6. Regulatory & Compliance Support

• Ensure analytics frameworks comply with regulatory guidelines and internal governance standards.

Support audit and regulatory requirements by providing data insights and documentation.