Job Description

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