About the Team Financial Services at Meesho is building one of the largest digital lending businesses for Bharat. As we scale to millions of users, the next phase of growth will be defined by how intelligently we manage credit performance across the lifecycle — from underwriting to repayment and recovery. The DARC (Data Science, Analytics, Risk & Collections) team acts as the decisioning engine for this business — combining data, risk, and systems thinking to drive portfolio outcomes. About the Role: Credit Portfolio Optimization This is a high-ownership, high-impact role focused on maximizing portfolio performance post-disbursement. You will act as the central problem solver for credit performance — identifying where we are losing money across the repayment lifecycle, diagnosing root causes, and designing interventions that improve outcomes at scale. This is not a collections or operations role.This is a strategy + systems role with direct impact on metrics like NCL, cure rates, cost-to-recovery, and customer lifetime value. What you will do

Own portfolio performance problems end-to-end
Identify leakages across the repayment lifecycle (early delinquency, roll-forwards, low cure, high cost) and define structured problem statements
Drive first-principles problem solving
Break down ambiguous problems into hypotheses, design experiments, and quantify impact
Design and test interventions at scale
Across:

Customer segmentation

Communication strategies

Payment nudges and incentives

Policy and product levers

Channel mix (digital vs assisted vs agency)

Build intelligence layers on top of collections: Work with DS/Analytics to create

Propensity / payback models

Early warning signals

Prioritization frameworks

Close the loop with risk and product: Use collections insights to influence:

Underwriting strategies

Fraud detection

Product design decisions

Partner with OPS teams to drive execution: Ensure strategies translate into measurable on-ground impact
Drive leadership visibility: Communicate insights, trade-offs, and outcomes clearly to senior stakeholders

What you will need

3–8 years of experience in consulting, fintech, lending, analytics, or strategy roles
Strong first-principles thinking and structured problem solving
Ability to operate in ambiguity and independently define problem statements
High comfort with data (SQL/Excel/analytics mindset)
Clear ownership mindset — ability to drive outcomes, not just analysis
Strong business intuition and understanding of customer behaviour
Ability to deal with ambiguous problem statements
Excellent communication and stakeholder management skills

Manager - Collection Strategy and Intelligence

About the role

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