Build and maintain dashboards and reports for Collections, Payments, Customer Onboarding, and Risk teams | Create KPI tracking systems for daily/weekly/monthly reporting on collection status, payment success rates, and funnel metrics | Develop automated reporting solutions to replace manual processes and reduce operational overhead | Provide ad-hoc analysis to support business decisions and identify trends | Own data quality across key systems (Collections, Payments, CRM, Payment Gateways) | Audit and reconcile data across sources (Zoho, Payment Gateways, NBFC systems, EMI/Check processing) | Identify and escalate data gaps and inconsistencies to Engineering | Document data schemas, definitions, and data lineage for stakeholders | Support Collections team: build visibility into payment failure patterns, collection protest trends, and anomalies | Support Risk/Credit team: analyze credit assessment gaps, onboarding funnel drop-offs, and customer lifecycle metrics | Support Finance: reconcile vendor payments, identify discrepancies, and trace payment flows for audit trails | Analyze Onboarding funnel performance and track improvement against targets | Work with Engineering to improve data ingestion pipelines and reduce manual data maintenance | Identify data scalability risks (e.g., cost drivers, query performance) and recommend optimizations | Contribute to data warehouse/lake design decisions and ETL improvements | SQL Expertise: Write complex queries, optimize query performance, work with relational databases (PostgreSQL, MySQL, or similar) | BI proficiency — Tableau, Metabase, Data Studio, Power BI, or equivalent | Data Storytelling: Create clear, actionable dashboards and communicate findings to non-technical stakeholders | Data Validation: Experience identifying data quality issues, performing audits, and reconciling data across systems | Platforms: Zoho CRM, Payment gateways, internal dashboards | Problem-solving mindset — break ambiguous questions into actionable analysis | 4+ years of experience in data analysis, analytics engineering, or business intelligence | Proven track record building dashboards and reports that drive business decisions | Experience working directly with SQL databases in a production environment | Experience in fintech, payments, lending, or collections: Experience with lending platforms, payment systems, or NBFC operations | OR equivalent: Strong domain knowledge in B2B SaaS, e-commerce, or operations analytics where you've worked with complex financial workflows | Proficiency in Python or R | Familiarity with data warehousing (dbt, Airflow) or APIs | Background in risk analytics or credit assessment