Manager - Portfolio Strategy and Intelligence

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 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 Optimization 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. About us  Welcome to Meesho, where every story begins with a spark of inspiration and a dash of entrepreneurial spirit. We're not just a platform; we're your partner in turning dreams into realities. Curious about life at Meesho? Explore our Glassdoor - our people have a lot to say and they've helped us become a loved workplace in India. Our Mission Democratising internet commerce for everyone — Meesho (Meri Shop) started with a single idea in mind: to be an e-commerce destination for Indian consumers and to enable small businesses to succeed online. We provide our sellers with benefits such as zero commission and affordable shipping solutions in the market. Today, sellers nationwide are growing their businesses by tapping into Meesho’s large and diverse customer base, state-of-the-art tech infrastructure, and pan-India logistics network through trusted third-party partners. Affordable, relatable merchandise that mirrors local markets has helped us connect with internet users and serve customers across urban, semi-urban, and rural India. Our unique business model and continuous innovation have established us as a part of India’s e-commerce ecosystem. Culture and Total Rewards Our focus is on cultivating a dynamic workplace characterized by high impact and performance excellence. We prioritize a people-centric culture, dedicated to hiring and developing exceptional talent. Total rewards at Meesho comprise a comprehensive set of elements — monetary, non-monetary, tangible, and intangible. Our 9 guiding principles, or "Mantras," are the backbone of how we operate, influencing everything from recognition and evaluation to growth discussions. Daily rituals and processes like “Problem First Mindset,” “Listen or Die,” our Internal Mobility Program, Talent Reviews, and Continuous Performance Management embody these principles. We offer competitive compensation — both cash and equity-based — tailored to job roles, individual experience, and skill, along with employee-centric benefits and a supportive work environment. Our holistic wellness program, MeeCare, includes benefits across physical, mental, financial, and social wellness. This includes extensive medical insurance for employees and their families, wellness initiatives like telehealth, wellness events, and fitness-related perks. To support work-life balance, we offer generous leave policies, parental support, retirement benefits, and learning and development assistance. Through personalized recognition, gratitude for stretched work, and engaging activities, we promote employee delight at the workplace. Additional benefits such as salary advance support, relocation assistance, and flexible benefit plans further enrich the Meesho experience. At Meesho, we are committed to creating an inclusive and accessible workplace where every individual can thrive. In compliance with the Rights of Persons with Disabilities Act, 2016, we uphold the following principles: Equal Opportunity: We ensure that employment opportunities are never denied on the grounds of disability if the candidate is otherwise competent to perform the job. Accessible Workplace: Our facilities are designed to be fully accessible, with amenities and assistive devices provided to support differently abled individuals in their work. Inclusive Hiring Process: We adopt a transparent and non-discriminatory selection process, including providing application forms in alternate formats and offering reasonable accommodations during interviews upon request. Career Growth: We provide adequate training post-recruitment and pre-promotion, with training materials available in accessible formats to enable equal career progression. Support & Confidentiality: A dedicated liaison officer/committee addresses concerns and grievances, while maintaining strict confidentiality of disability-related information. Awareness & Inclusion: We conduct awareness programs to promote a culture of inclusivity across the organization. Meesho welcomes applicants and employees of all abilities and is dedicated to fostering an environment where differently abled persons can achieve their full potential. Know more about Meesho here : https://www.meesho.io/ country: IN all locations: [Bangalore, Karnataka] commitment: Full Time Employee department: Financial Services location: Bangalore, Karnataka team: Financial Services What you will do: Own portfolio performance problems end-to-endIdentify leakages across the repayment lifecycle (early delinquency, roll-forwards, low cure, high cost) and define structured problem statements Drive first-principles problem solvingBreak down ambiguous problems into hypotheses, design experiments, and quantify impact Design and test interventions at scaleAcross: 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 collectionsWork with DS/Analytics to create: Propensity / payback models Early warning signals Prioritization frameworks Close the loop with risk and productUse collections insights to influence: Underwriting strategies Fraud detection Product design decisions Partner with OPS teams to drive executionEnsure strategies translate into measurable on-ground impact Drive leadership visibilityCommunicate insights, trade-offs, and outcomes clearly to senior stakeholders What you will need: 3–8 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