Collections Analyst

Collections Analyst (Strategy and Analytics)

Role overview

We are hiring a Manager/Sr. manager to lead end-to-end collections analytics and strategy for our financial services business. This role oversees analytics and strategy across products, buckets, and channels; from pre-due through charge-off and post write-off recoveries. This role will build the collections analytics foundation from scratch (dashboards, MIS, attribution, and governance) and drive strategy design and optimization across outbound, inbound, digital, field, settlements, and legal.

What you’ll do

- Own portfolio analytics end-to-end: vintage analysis, roll-rate/flow-rate tracking, liquidation curves, recovery/cure performance, and channel-wise contribution analysis to identify levers and risks.
- Design and optimize collections strategy across buckets and channels: segmentation, contact policy, allocation logic, and agency distribution; build an omni-channel allocation approach (who to contact, when, and via which channel).
- Run champion–challenger experiments and controlled tests (scripts, channel mix, contact windows, offer structures, agency allocations) and track impact over time to evolve the “best” strategy.
- Define and track collections KPIs across operations and agencies (e.g., right-party contact, PTP and kept PTP, cure/roll-back, recovery, productivity, cost-to-collect) and translate insights into actions with call/field/digital teams.
- Develop and maintain predictive models in Python (e.g., propensity-to-pay, cure probability, contactability, channel selection) and product ionize requirements with Tech/Engineering teams (data needs, score refresh cadence, monitoring).
- Build and own the collections measurement framework and reporting suite (Tableau): daily bucket dashboards, weekly performance packs, monthly vintage/roll-rate packs, agency scorecards, and settlement/legal trackers, with clear metric definitions and reconciliation logic.
- Work with multiple data sources (LMS, collections system, dialer, field app, payment rails, CRM) and drive requirements for data pipelines/ETL and data quality controls with Engineering.
- Support regulatory/audit-ready analytics for collections conduct and governance (complaints, calling compliance, agency adherence), enabling oversight and corrective actions.

What success looks like

- Improved liquidation and cure outcomes through measurable strategy improvements, backed by experimentation (champion–challenger) and robust attribution.
- Stronger operational control through KPI-based governance (PTP, kept PTP, RPC/contactability, recovery, cost-to-collect) and clear action loops with operations and agencies.
- trusted, automated collections MIS and dashboard stack that leadership uses for decisions, with minimal data disputes and faster insight cycles.

What we’re looking for

- Strong collections analytics + strategy experience in BFSI/NBFC/fintech across delinquency buckets and channels (call, field, digital, settlements/legal).
- Proven capability in experimental design and performance tracking for collections strategies (champion–challenger / test-and-learn).
- Strong hands-on SQL and Python; comfortable building Tableau dashboards and automating repeatable analytics workflows.
- Strong stakeholder leadership: ability to influence operations, vendors/agencies, risk, finance, and tech teams through data and clear decision frameworks.