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 OptimizationThis 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
What You’ll 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 statementsDrive first-principles problem solving
Break down ambiguous problems into hypotheses, design experiments, and quantify impactDesign 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
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
Skills Required
- 1-4 years of experience in consulting, fintech, lending, analytics, or strategy roles
- Strong first-principles thinking and structured problem solving
- High comfort with data (SQL/Excel/analytics mindset)
- Excellent communication and stakeholder management skills
What We Do
Meesho is India’s fastest growing internet commerce company. We want to make eCommerce accessible to all. Our vision is to enable 100 million small businesses in India, including individual entrepreneurs, to succeed online. Our mission is to democratise internet commerce by bringing a range of products & new customers online. What started as a reseller-focused platform six years ago has now emerged as a single ecosystem connecting millions of sellers, consumers and entrepreneurs.
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