Lead Business Analyst

Role: Lead Business Analyst

Department: Data Analytics

Location: Mumbai

Role Overview

We are looking for a Lead Business Analyst to drive data-led decisioning across customer funnels, credit risk, profitability, and product performance. The role combines business acumen with strong analytical depth helping shape product and risk strategy in a fast-scaling FinTech lending environment.

Key Responsibilities:

1. Funnel & Conversion Analytics-

• Own the end-to-end loan funnel from application to first repayment.

• Identify leakage points, analyse conversion drivers, and suggest optimizations across stages (lead →

KYC → underwriting → disbursal → 1st EMI).

• Partner with Product and Growth teams to run A/B experiments improving user journey and

approval rates.

2. Credit Risk & Portfolio Analytics-

• Deep dive into risk funnel metrics (approval %, DPD0, bounce %, resolution %, roll rates, NPA).

• Build and maintain early warning dashboards for portfolio health.

• Design and evaluate risk segmentation frameworks — by bureau score, customer profile, and behavioural segments.

• Work with credit policy teams to quantify impact of rule or scorecard changes.

3. Profitability & Unit Economics-

• Track product and cohort-level profitability (NIM, CAC, LGD, ROE).

• Evaluate credit and pricing changes using simulation and scenario modelling.

• Partner with finance to build forecasting models for portfolio growth, losses, and contribution

margins.

4. Product & Strategy Insights-

• Partner with Product Managers to track feature performance (usage, adoption, retention).

• Translate funnel and risk insights into product roadmap inputs (e.g., automation, repeat loans, collection interventions).

• Build narratives around data for leadership and board-level reviews.

5. Leadership & Collaboration-

• Lead and mentor a team of analysts on funnel, risk, and product tracks.

• Collaborate closely with cross-functional teams – Risk, Product, Growth, Collections, and Finance.

• Present actionable insights to senior stakeholders for strategic decisions.

Skills & Experience:

• 4–8 years of experience in FinTech, NBFC, or digital lending in roles such as Business Analyst / Risk Analyst / Product Analyst.

Must have experience in portfolio monitoring

• Strong proficiency in SQL, Excel, and data visualization tools (Tableau).

• Hands-on experience in risk and funnel analytics, or profitability modelling.

• Solid understanding of credit lifecycle – from application to recovery.

• Exposure to A/B testing, segmentation, cohort analysis, and data storytelling.

• Experience with Python / R preferred.

• Excellent communication and stakeholder management skills.

Good to Have:

• Experience with behavioural or scorecard models (acquisition or early delinquency).