Senior Data Anlayst

About CheQ

At CheQ, we're turning the chaos of credit into a journey that's clear, rewarding, and even a little fun. With ₹50,000 Cr+ in lifetime payments, a growing tribe of users (30%+ using more than two products), and $16M raised from marquee investors, we're fast becoming India's favorite way to go from credit-stressed to credit-smart.

Founded by ex-Flipkart leader Aditya Soni and backed by 3one4 Capital, Venture Highway, Ram Shriram, Lloyd Mathias and more, CheQ isn't just another fintech, it's a full-stack credit experience.

Here's what makes us different:

• Credit, simplified → Track, pay, and optimise every credit card, loan, and bill in one smooth dashboard.

• AI that actually helps → Meet Wisor, India's first AI-powered credit advisor giving real financial intelligence, not just data.

• More than payments → Rewards, instant loans, and an embedded wallet all stitched into one seamless journey.

We're here to make managing money feel less like a chore and more like a win

What you'll be doing

We are much more than our job descriptions, but here is where you will begin:

The Analyst will be pivotal in managing and analyzing data related to demand, supply,people allocation, and process implementation. This role encompasses the development and maintenance of MIS systems, generating insightful reports, and ensuring data accuracy to support effective decision-making in Staffing. The Analyst will collaborate with various departments to ensure seamless Staffing processes.

Data Management, Reporting, and Analysis:

• Track core metrics: activation, spend, utilization, delinquency (DPD), charge-offs, and CLTV
• Analyze end-to-end credit card lifecycle (onboarding → underwriting → usage → collections)
• Support real-time credit decisioning (limit assignment, risk scoring, line increases)
• Detect fraud patterns using transaction-level data and behavioural signals
• Build dashboards for product, risk, and growth teams
• Perform cohort, funnel, and A/B testing for acquisition and engagement
• Work with alternative data (device, bureau, transaction) for underwriting improvements
• Collect, update, and maintain the demand and supply database, ensuring data accuracy and integrity.
• Drive internal governance within the team for data completeness, accuracy, and adherence to process compliance.
• Ensure the accuracy and integrity of staffing data across all tools and systems.
• Generate regular and ad-hoc reports on demand
• Analyze data and processes to identify trends and areas for improvement and automation.
• Maintain and update staffing metrics, providing actionable insights and recommendations based on data analysis.
• Strive to build and drive automation in reports, data management, and internal processes

Collaboration and Communication:

• Collaborate with Leadership, PMs, and other stakeholders to ensure process compliance and effective data collection.
• Communicate findings and insights effectively to various stakeholders. optimize demand fulfilment, and enhance operational efficiency.

What you'll need

Like us, you'll be deeply committed to delivering impactful outcomes for customers.

• 3–5 years in fintech / digital lending / payments analytics with 2 years relevant experience in credit card(preferred)
• Deep understanding of credit card business dynamics including billing cycles, interest computations, and revenue drivers
• Experience in data analytics within fintech, banking, or financial services
• Strong expertise in SQL and Excel; advanced proficiency in Python or R for data analysis and modelling
• Hands-on experience with BI tools (Tableau, Power BI, Looker)
• Understanding of credit risk + card economics (interchange, revolvers vs transactors)
• Familiarity with card networks (Visa/Mastercard) and digital payments ecosystem
• Proven track record of driving data accuracy and integrity within an organization.
• Experience in automating reports and internal processes.
• Detail-oriented and organized, with the ability to manage multiple tasks simultaneously.
• Strong analytical and problem-solving skills with the ability to interpret complex data.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office Suite, SQL, G-Suite, particularly Excel (including macros) and PowerPoint.
• Strong time-management skills to handle multiple tasks and deadlines.
• Ability to work independently and collaboratively in a team-oriented environment.
• Positive attitude and a willingness to learn.

Why should you join CheQ

You own it, we trust you

Shape your work with freedom, deliver with ownership, backed by trust.

Bold, fast & human
We push boundaries together, and deliver with agility, rigor, and heart. Always looking out for one another.

Growth by osmosis
Learn directly from a stellar leadership team with rich, diverse backgrounds.

And that's just the start:

• Pay that matches the best in the industry.
• The thrill of solving real India-first problems at scale.
• Exposure to cutting-edge tech and innovation.

What you will not get

• Monotony → Work is dynamic, expect variety every day.
• Slow climbs → Growth here is about leaps, not ladders.
• Layers of red tape → We believe in speed, not bureaucracy.

Requirements