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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
INR 1.78 Lakh CrFind customised home loan solutions for your unique needs
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Aditya Birla Capital Limited
Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
INR 1.78 Lakh CrCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
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Personal Finance
You will lead Personal Loan Analytics for Aditya Birla Capital Digital (ABCD), driving end-to-end analytics across acquisition, underwriting insights, customer engagement, and portfolio performance. This role will focus on scaling unsecured lending growth through data-driven targeting, risk-aligned decisioning, and lifecycle optimization.
This is a leadership role requiring strong hands-on expertise in analytics/data science, along with a deep understanding of lending business dynamics and the ability to influence stakeholders and build a high-performing team.
Reporting to: Head – ABCD & ABC One Analytics
Location: Thane / Mumbai
Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group. With a strong presence across Protecting, Investing, and Financing solutions, ABCL caters to customers across their financial lifecycle.
With 34,000+ employees, 1,200+ branches, and 2,00,000+ partners, ABCL combines scale with the strength of the global Aditya Birla Group operating in 36 countries.
• ABCD is a wholly owned subsidiary established in 2023 for digital distribution and services
• It is building a D2C omni-channel platform (app + web) for lending, insurance, investments, and payments
• Drives acquisition, cross-sell, and engagement through digital + assisted channels (call center, branches)
• Focused on leveraging analytics, data, and technology to power growth and customer experience
We are looking for a senior analytics leader with strong experience in unsecured lending (personal loans, consumer loans, digital lending ecosystems).
You will help ABCD unlock growth by:
• Driving high-quality customer acquisition for personal loans
• Optimizing approval, conversion, and disbursal funnels
• Balancing growth with portfolio quality and risk metrics
• Enabling cross-sell and repeat borrowing through lifecycle analytics
• Define lending analytics strategy for personal loans—aligning analytics initiatives with disbursal growth, conversion, and portfolio quality (NPAs, delinquency, early risk indicators)
• Drive acquisition and funnel optimization across sourcing channels—pre-approved offers, bureau-based targeting, partnerships, app/web journeys
• Build and optimize credit funnel analytics including eligibility filtering, drop-off analysis, approval-to-disbursal conversion, and TAT improvements
• Develop ML models such as credit propensity, approval likelihood, risk segmentation, early delinquency prediction, and collection prioritization
• Enable pre-approved and instant loan journeys using bureau, alternate data, and internal customer signals for faster decisioning
• Drive portfolio analytics including vintage analysis, cohort tracking, roll rates, bounce trends, and early warning indicators
• Collaborate with risk & underwriting teams to balance growth and risk—support scorecards, policy simulations, and segment-level strategies
• Design and deploy NBA/NBO frameworks for cross-sell, top-up loans, and repeat lending across channels
• Leverage omni-channel analytics (app, web, call center, branch, partners) to improve lead conversion and customer experience
• Implement AI-first analytics approach, using GenAI tools for insights generation, reporting automation, and business decision enablement (with clear governance)
• Drive campaign analytics & experimentation (A/B testing, channel optimization) to improve CAC, approval rates, and disbursal efficiency
• Partner with data engineering to build scalable lending datasets, bureau integrations, and customer 360 views
• Define KPIs & dashboards across funnel (lead → approval → disbursal), risk metrics (DPD, NPAs), and channel performance
• Ensure regulatory & compliance adherence across all analytics-driven lending practices
• Build and lead a high-performing analytics team, mentoring members and ensuring strong delivery and stakeholder management
• Bachelor’s/Master’s in Mathematics, Statistics, Engineering, or a related quantitative discipline
• 8–12 years of experience in analytics/data science with strong exposure to personal loans/unsecured lending/consumer finance
• Strong understanding of credit lifecycle, including acquisition, underwriting, risk management, and collections
• Hands-on expertise in Python, SQL, PySpark; experience working with large-scale datasets and cloud/data platforms
• Experience in credit risk modeling, propensity models, and funnel analytics
• Familiarity with bureau data, alternate data, and digital lending journeys
• AI-first mindset with exposure to advanced analytics/GenAI-enabled workflows
• Strong problem-solving skills—ability to translate business needs into analytical frameworks
• Proven ability to manage stakeholders across business, risk, product, and tech teams
• Experience in building and scaling analytics teams
• Be part of a high-growth digital lending platform within a strong financial services ecosystem
• Own a critical charter driving personal loan growth and profitability
• Work on high-impact use cases—digital lending, pre-approved offers, and AI-led decisioning
• Solve problems across acquisition, risk, and lifecycle in an omni-channel environment
• Build and scale a strong analytics team and drive innovation in lending analytics
8 - 15 years
Under Graduate