Job Requirements About Godrej Industries Group (GIG) At the Godrej Industries Group, we are privileged to serve over 1.1 billion consumers globally through our businesses with market leadership positions in the consumer products, real estate, agriculture, financial services and chemicals industries. www.godrejindustries.com About Godrej Capital (GCL) Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years. www.godrejcapital.com Job Description: • Monitor portfolio health through deep‑dive analytics, dashboards, and early‑warning insights • Identify high‑value customer segments for cross‑sell using behavioural data and predictive analytics • Analyse campaign performance across channels and recommend actions to improve conversion & ROI • Partner with marketing to analyse channel performance, campaign effectiveness, and audience targeting. • Build data‑driven customer journeys for hyper‑personalized communication across digital channels • Conduct root‑cause analysis of portfolio trends, acquisition quality, and campaign outcomes • Collaborating with Credit, Risk, Business, Marketing, and Product teams to build data‑led strategies • Drive process improvements across data, reporting, and analytics workflows • Build actionable insights to improve collection efficiency, pre-delinquency management and reduce overdue buckets. • Conduct deep‑dive analysis on customer payment behaviour, delinquency patterns, and slippage root causes. • Develop segmentation strategies for early-, mid-, and late‑stage collections. Qualification & Experience: Bachelor’s or Master’s degree in Engineering, Economics, Statistics, Mathematics, or any quantitative discipline.2–4 years of relevant experience in risk analytics, preferably in BFSI. Essential Skills: • Strong command of Excel, SQL, Python/R, and statistical modelling. • Prior exposure to PL portfolio analytics OR XSell & Collection Analytics. • Strong Business Acumen with out of the box thinking • Strong Strategic and Tactical communications Skills • Ability to work independently Work Experience 2-4 years Benefits Be an equal parent Childcare benefits for the birthing parent, commissioning parent (in case of surrogacy) or adoptive parent, and their partners • 6 months of paid leave for primary caregivers, flexible work options on return for primary caregivers • 2 months paid leave for secondary caregivers • Caregiver travel for primary caregivers to bring a caregiver and children under a year old, on work travel Coverage for childbirth and fertility treatment No place for discrimination at Godrej • Gender-neutral anti-harassment policy • Same sex partner benefits at par with married spouses • Coverage for gender reassignment surgery and hormone replacement therapy • Community partnerships and advocacy • Persons with Disability (PwD) care We are selfish about your wellness • Comprehensive health insurance plans, as well as accident coverage for you and your family, with top-up options • Elder care for those who might need to extend support to senior family members • Preventative healthcare support • Outpatient Department (OPD) coverage, including vaccinations, dental, vision, etc. • Uncapped sick leave • Flexible work options, including remote working and part-time work • Mental wellness and self-care programmes, resources and counselling Celebrating wins, the Godrej Way • Structured recognition platforms for individual, team and business-level achievements • Digital and offline instant recognition platforms An inclusive Godrej Before you go, there is something important we want to highlight. There is no place for discrimination at Godrej. Diversity is the philosophy of who we are as a company. And has been for over a century. It’s not just in our DNA and nice to do. Being more diverse - especially having our team members reflect the diversity of our businesses and communities - helps us innovate better and grow faster. We hope this resonates with you. We take pride in being an equal opportunities employer. We recognise merit and encourage diversity. We do not tolerate any form of discrimination on the basis of nationality, race, colour, religion, caste, gender identity or expression, sexual orientation, disability, age, or marital status and ensure equal opportunities for all our team members. If this sounds like a role for you, apply now! We look forward to meeting you.