Meesho3mo ago

SA - Portfolio Strategy and Intelligence

Bangalore, KarnatakaFull Time Employeesenior

OtherAssociateStrategy

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Quick Summary

Overview

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…

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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

~2 min read

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 - A direct bottom line mover

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

1-4 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