Looking for a job

Pawan Bhobharia

@pawanbhobharia

Collections strategy leader at Oportun who designed call-display strategies generating approximately $11M in NCO savings.

India

Message

At Oportun, I lead collections strategy and analytics for US lending portfolios. I designed A/B-tested branded-call-display strategies that generated approximately $11M in NCO savings.

At American Express, I managed collections analytics and strategy across an approximately $5B portfolio. I developed digital collection strategies that increased Digital First / Digital Only portfolio share from 10% in 2021 to 55% in 2024.

Experience

Work history, roles, and key accomplishments

Current

Senior Manager – Data Analytics & Strategy

Current

Oportun

Jul 2024 - Present (2 years 3 months)

Lead collections strategy and analytics for US lending portfolios, improving DQ30+ outcomes and reducing charge-offs. Designed A/B-tested strategies and digital engagement initiatives that generated significant savings and increased payment adoption.

Collections Strategy Portfolio Optimization Credit Risk Delinquency Management Digital Collections A B Testing Customer Segmentation Python Domo SQL Hive PySpark

Manager – Data Analytics

American Express

Feb 2018 - Jul 2024 (6 years 5 months)

Managed analytics and strategy for US and international late-stage collections, delivering sustained performance improvement. Led digital collection strategies and built data marts and dashboards that accelerated reporting and reduced team effort.