Head Data

Job Description: Head Data Company: FinAGG Technologies Pvt. Ltd. Location: Noida (On-site) Level: Senior Leadership (712 years) Reporting to: CFO About FinAGG FinAGG is an RBI-authorised MSME-focused fintech operating across credit intelligence (FameScore/FinAGG.ai), lending services, and NBFC infrastructure (QCF Capital). We have disbursed over 5,200 Cr to 85,000+ MSMEs across 6,200+ pin codes. Data is not a support function here — it is the product. Role Summary We are looking for a hands-on, analytically sharp leader to own the Data function end-to-end. This role sits at the intersection of lending analytics, MIS automation, and data engineering. You will build and lead a small, high-output data team that powers credit decisions, portfolio monitoring, anchor reporting, partner compliance, and internal business intelligence — all in a fast-moving fintech environment. What You Will Own 1. MIS & Reporting Automation • Design and automate MIS frameworks for portfolio performance, collections, disbursements, and cohort analysis • Build dashboards and scheduled reports for internal teams, anchor brands, and lending partners (banks, NBFCs) • Eliminate manual Excel-heavy workflows; replace with scalable, automated pipelines 2. Lending & Credit Analytics • Track portfolio health metrics — DPD buckets, delinquency trends, vintage analysis, repayment behaviour • Support underwriting with data models, scorecard monitoring, and bureau data analysis • Work closely with Risk & Collections Head on early warning signals and triggers 3. Data Churning & Transformation • Own the data pipelines from raw sources (GST, bank statements, bureau, ERP, field data) to clean, analysis-ready datasets • Manage data ingestion from multiple APIs and sources — GST Network, credit bureaus, banking partners • Ensure data quality, reconciliation, and auditability 4. Platform & Product Data Support • Partner with the CTO and product team to define data schemas, event tracking, and reporting layers for FinAGG's SaaS platform • Support BRD and product documentation with data specifications 5. Regulatory & Partner Reporting • Generate accurate reports for RBI-mandated disclosures, bureau submissions (CIBIL, Experian, CRIF), and lender covenant tracking • Support audit readiness — internal and external (LSP audits, FDD, NBFC compliance) What We Are Looking For Must-Have • 6–10 years of experience in data/analytics roles, with at least 2–3 years in BFSI / fintech / lending • Strong command of SQL (complex queries, window functions, CTEs) — non-negotiable • Proficiency in Python or R for data wrangling, automation, and analysis • Deep understanding of lending terminology — EMI, DPD, LTV, NPA, POS, disbursement flows, co-lending structures, bureau data fields • Experience building or maintaining MIS dashboards (Power BI / Tableau / Metabase / Looker or equivalent) • Hands-on with data pipeline automation — scheduling, orchestration, error handling • Strong Excel/Google Sheets skills for ad-hoc analysis and stakeholder-facing outputs Good to Have • Exposure to GST data, bank statement analysis, or bureau data (CIBIL, Experian, CRIF) • Familiarity with cloud data stacks — BigQuery, Redshift, Snowflake, or similar • Experience in a startup or high-growth fintech environment • Knowledge of RBI Digital Lending Guidelines and NBFC reporting norms • Prior experience with supply chain finance, invoice discounting, or channel finance The Kind of Person We Want • Someone who finds a broken MIS more offensive than a missed deadline • Can move from raw data to a board-ready slide without losing accuracy • Asks "why does this number look wrong?" before presenting it • Comfortable being the only data person in the room with a CFO, a Risk Head, or a bank partner • Builder mindset — not just reporting on data but using it to surface insights no one asked for yet