Job Description
Founded in 2003, GAIN Credit is a tech-forward, inclusive, and responsible business using world-class innovative technology and data science to provide endless gaining opportunities for customers, employees, and merchants alike. At GAIN Credit, our mission is to empower lives, which is about providing solutions that meet the credit needs of society in an affordable and responsible manner, ensuring that we always treat customers fairly, helping our customers when they need it most by providing access to credit and giving them realistic timelines to re-pay.
Our flagship brands – Lending Stream & Drafty – enjoy 4.4 & 4.3 ratings on TrustPilot respectively (UK’s leading customer review website). Drafty – our pioneering credit-line product – is a first-of-its-kind, no-fee credit line and has been awarded ‘Innovation of the Year’ for 2017 and 2018 by the Consumer Credit Awards.
In India, we are among the top 55 Great places to work. People at GAIN Credit – ‘GAINers’ as we call them – are our assets. We believe happy people lead to happy customers. And this is why a great work culture is a super high priority at GAIN Credit. We make that happen through living our company values in every interaction we have with each other. In fact, we believe the only way to ‘gain’ at GAIN Credit is through living our company values.
Some of our awards:
· Ranked 55 among India Great places to work (mid-sized segment) in 2021-22
· Best Responsible Lender at Credit Excellence Awards- 2021
· 2018 British Credit Award- Consumer Credit Team of the Year- Lending Stream
· F5: Alternative Consumer Lender of the Year – Lending Stream
· F5 Awards 2018 Best Brand – Drafty
· 2018 Consumer Credit Awards: Innovation of the Year – Drafty
To know more about us:
Website: www.gaincredit.com
LinkedIn: https://www.linkedin.com/company/gaincredit/mycompany/
Is this the place for you?
As a GAINer, you will get to focus on your personal and professional gains, experience an award-winning workplace culture, access to perks, maintain work-life balance, and contribute to the community in meaningful ways. As a GAINer, integrity will guide everything you do, with a service mindset that puts others first. You will foster curiosity to drive learning, focus on continuous improvement, and take accountability for your actions to deliver exceptional outcomes.
We strongly believe in:
At GAIN Credit, we believe that our fantastic teams help build the best products that enable us to understand and attract more customers. Therefore, we completely support and welcome diversity across thoughts, people, and actions. We care about our employees, and their well-being and have many on-going activities to boost their physical, mental, and financial wellbeing. We encourage people from diverse backgrounds, culture, age, gender, orientation, and abilities to apply for all our openings and offer reasonable support to achieve their professional goals.
Our core strength:
We are at the core, an analytics company, founded by people who, about 30 years ago, were pioneers in applying predictive modelling to solve business problems. As we morphed into a financial services company from being an analytics consultant, we continued to train our scientists to apply these techniques, as well as cutting-edge advances, and become a transformative leader in credit underwriting in the UK.
Job Title: Senior Collections Analyst I
Department: Customer Ops – Collections & Payments
Location: Delhi/NCR/Chennai
Role Summary-
We are seeking a highly analytical and detail-oriented Collection Analyst to join our team. The ideal candidate will possess advanced data analysis skills, a strong grasp of statistical modelling, and experience working with large, complex datasets. This role plays a critical part in optimising our collections processes through forecasting models, data-driven strategies, and proactive reporting structures.
This role offers significant potential for personal and professional growth, both within the Collections team and across the wider organization. The level of responsibility will evolve over time in line with the individual’s development, performance, and growing expertise.
We’re seeking someone who thrives in a collaborative team environment and demonstrates a proactive attitude toward learning. A key part of the role involves working with large datasets, managing reconciliations, and engaging effectively with Debt Collections agencies and Debt Purchasers to resolve discrepancies in a professional and solution-oriented manner.
Essentials Criteria:
Minimum of 2 years’ work experience with advanced knowledge of analytical tools such as R/Python/SQL. Graduates need to come from a numerate discipline.
Oh, the things you’ll do:
· Analyze collection trends and performance using advanced tools such as R, Python, and SQL.
· Apply statistical modeling techniques to identify risk patterns, optimize collection strategies, and enhance recovery rates.
· Build and maintain predictive models to forecast customer behavior and improve cash flow outcomes.
· Manage and reconcile high-value invoices efficiently, ensuring timely resolution of discrepancies.
· Design and implement a robust reporting framework to monitor key performance indicators and identify recurring issues.
· Present analytical insights through clear, compelling presentations, translating complex data into actionable business strategies.
· Collaborate with cross-functional teams to challenge existing processes and drive continuous improvement.
· Maintain a thorough understanding of the UK credit market and regulatory environment, ensure all recommendation are in line with compliance recommendations.
What you bring to the table:
· Proficiency in R, Python, and SQL for data analysis and modeling.
· Demonstrated expertise in statistical modeling and working with large, complex datasets.
· Strong presentation and communication skills with the ability to explain data in a clear, concise manner to non-technical stakeholders.
· Highly organized, with excellent attention to detail and a proactive approach to problem-solving.
· Comfortable with challenging the status quo and introducing innovative solutions.
· Experience reconciling large, high-value financial transactions with tight turnaround times.
· Knowledge of the UK credit market and relevant regulations is highly desirable.
· Familiarity with forecasting models is an added advantage.
