SUMIT RAY
@sumitray
Product manager at Olyv who improved collections repayment conversion by 15% with segmentation-led calling.
IndiaWhat I'm looking for
At Olyv India Pvt. Ltd., I own the roadmap for a collections dialer platform, translating borrower and partner needs into product requirements and releases. I designed and shipped segmentation-based calling strategies that improved repayment conversion by 15%.
I built collections processes from the ground up, covering portfolio analysis, customer segmentation, dialer and telecom gateway configuration, QA, and training design. I also led the RBI 1600 Series compliance rollout with Airtel, Jio, Vi, BSNL, and Veeno.
At Home Credit India, I supported workforce planning and collections operations for more than 3,000 associates across India. My calling strategies improved customer contact rates by 17% and repayment efficiency by 12%, while early-warning analytics reduced default probability by 11.3%.
I build self-serve Power BI dashboards and turn ambiguous needs into BRDs, FSDs, user stories, and acceptance criteria. I hold an MBA in Business Analytics from Golden Gate University and am pursuing the Product Manager Fellowship at NextLeap while building agentic workflows using Claude.
Experience
Work history, roles, and key accomplishments
Owned the product roadmap for a next-generation collections dialer platform end-to-end, driving engineering, design, and analytics teams to deliver outcomes with minimal managerial oversight. Represented the end customer (borrower) in product decisions — running discovery sessions with strategy, operations, and risk teams to surface friction points in the repayment journey. Applied structured prob
Owned the product roadmap for a next-generation collections dialer platform end-to-end, driving engineering, design, and analytics teams to deliver outcomes with minimal managerial oversight.
Built a collections process from the ground up — portfolio analysis, customer segmentation, dialer and telecom gateway configuration, QA framework, and training design for new hires
Designed and shipped se
Assistant Manager of Dialer &Strategy analyst.
Worked as Sr.WFM analyst at Home Credit India.
Workforce Management Analyst
Nov 2017 - Jul 2024 (6 years 8 months)
Managed workforce planning and collections operations across soft- and hard-bucket delinquency stages, supporting over 3,000 collection associates across India. Designed collections calling strategies using Genesys Dialer, improving customer contact rates by 17% and repayment efficiency by 12%. Developed early-warning analytics and borrower segmentation/performance benchmarking to identify high-ri
Education
Degrees, certifications, and relevant coursework
Golden Gate University
Master of Business Administration, BUSINESS INTELIGENCE/ANALYTIC
2024 - 2026
Led and contributed to cross-functional academic projects focused on business strategy, analytics, and operational improvement. Worked closely with diverse teams to solve real-world case problems and present actionable insights. Demonstrated leadership, ownership, and structured problem-solving in team environments.
House Of Edtech
CERT 1.1 Certified AI Office & Productivity Specialist
Issued Sep 2026
PwC India
GGU MBA - PWC Project Management_Certificate_August_2026
Issued Sep 2026
upGrad
BUSINESS COMMUNICATION
Issued Apr 2022
upGrad
Free Course 101
Issued Apr 2022
Glocal University
Bachelor of Commerce
2015 - 2018
Jharkhand Academic Council (JAC)
12th, Accounting
2011 - 2013
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
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