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Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.MBA or CA 5+ Years of Experience within Collections in a Strategy Role Essential skills 1. Analytical & Data Skills § Data Analysis & Interpretation: Ability to analyze large datasets to identify trends, portfolio risk, and customer behavior. § Advanced Excel / SQL / Python / R: Proficiency in tools for data manipulation and reporting. § Dashboarding & Reporting: Knowledge of tools like Power BI, Tableau, or similar. 2. Credit Risk Understanding § Knowledge of credit lifecycle, including originations, early warning systems, delinquency buckets (DPD), and recovery. § Understanding of risk segmentation and how it impacts collections strategy. 3. Strategy Development § Ability to design and optimize collections workflows, segmentation strategies, and treatment paths (e.g., calls, SMS, legal, field visits). § Experience in champion-challenger testing and performance tracking of different collections interventions.Key Responsibilities · Design and execute end-to-end collections strategies across delinquency stages (early, mid, late, charge-off). · Develop and optimize segmentation models to tailor collection efforts by risk profile and behavior. · Monitor performance metrics (e.g., cure rates, roll rates, recovery rates) and provide actionable insights. · Collaborate with data science, product, operations, and legal teams to implement and refine strategies. · Use data analytics tools (SQL, Python, Excel, etc.) to analyze portfolio trends and campaign effectiveness. · Recommend and test treatment paths, including outreach channels (email, SMS, IVR, phone), payment plans, and settlement offers. · Ensure strategies align with regulatory requirements and internal compliance standards. · Prepare presentations and dashboards to communicate results and strategy performance to senior leadership