Business Analysis Manager-Debt Management

Job Requirements

Role/ Job Title: Business Analysis Manager-Debt Management

Function/ Department: Debt Management

Job Purpose

Debt Management (DM) function has become increasingly analytics & data driven, with enhanced data capture and ability to implement analytics-led strategies through automated means.

The focus on digitization and automation has ensured that the processes have become efficient and has put the function in a place from where continuous improvements need to be looked at for enhancements.

The Strategy Lead largely supports the strategy making or the decision-making process by facilitating the Team Leads by enabling them with data insights on multiple dimensions depicting the macro and micro trends in the business. The analysis of customer and team behavior, their interactions with market events and cycles are to be well studied and proactively predicted to prepare well in advance and to take timely actionable and interventions.

Roles & Responsibilities

Measure, Analyze & Improve Drive Debt Management, and performance through.

• Build and Drive Debt Management Strategies and process changes through insights from MIS and KPIs.
• Collate, Structure, and build strategies and documentation for referencing and study of the impact of the changes.
• Measure and Monitor Debt Management Ecosystem [Customer, Employee, Agency] Parameters
• Requirements submission and tracking for system developments and ensuring implementation of system-based ways of working, post development.
  
  

Plan and Monitor- Period tracking and forecast on allocations and capacity requirements.

Track current strategy effectiveness and recommend improvements where required.

Analytical inputs to drive higher resolution/dollar-collected at sustainable cost, though.

• Risk segmentation using propensity to pay/probability to flow forward.
• Differentiated treatment – differentiated intensity of interventions, different field collections models, contact-ability resolution basis right time and place to visit.
• Inputs to drive charges collection in early buckets to modify customer behavior.
• Drive development and adoption of models for right time to contact, tagging for skip tracing, optimum # of visits per customer type, efficacy of legal recourse product/stage-wise.
• Models for right stage for settlement, settlement acceptance propensity, right waiver%
• Analytical inputs to drive enhance recovery, recovery vintages, debt-sale solutions.
• Project management
• Ensure appropriate project management on the initiatives undertaken.
  
  

Regulatory and Compliance – Adhere to and foster compliance in day-to-day function.

Secondary Responsibilities

• Work closely with product/portfolio risk teams and BIU teams towards understanding and effecting portfolio changes into insights for effective and efficient DM operations.
• Support on DM processes & projects
  
  

Education Qualification

Graduation: Engineering, Statistics, Economics

Post-graduation: MBA in Finance, Marketing, Economics, Statistics

Experience: 2-5 years of relevant experience.

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