Collections Analytics & Strategy Manager

Location: Bogota

About Pay Joy

Pay Joy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through Pay Joy's point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay Joy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times.

Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

We are looking for a Collections Analytics & Strategy Manager to define the strategic direction of the Global Collections team and close the loop between decision and outcome. This role requires a strong quantitative foundation - the ideal candidate has hands-on experience with statistical modeling, hypothesis testing, and experimental design, and applies these skills to drive business decisions rather than just produce reports.

The role is responsible for setting the collections strategy, designing and running A/B tests, measuring the impact of initiatives, and deciding - based on data - what scales and what stops. It also owns agency ROI monitoring with full segregation from operations, and leads benchmarking across markets. This is the analytical brain of the collections team: a function that did not previously exist and is being created to professionalize how the area grows, optimizes, and deploys resources.

Our primary tools include Hex, SQL, and Python.

Key responsabilities:

Strategy & Planning

* Define the global collections strategy in partnership with the Senior Manager, setting priorities, recovery targets, and market-level initiatives.

* Translate business goals into actionable collection strategies for each market (Lat Am, ZA, PH).

* Build and maintain the global collections playbook, ensuring consistency and best practices across regions.

* Identify expansion opportunities and support new market readiness from a collections strategy standpoint.

A/B Testing & Experimentation

* Design, launch, and manage A/B tests and controlled experiments across collection channels, messaging, and treatment strategies.

* Define hypotheses, success metrics, and minimum detectable effects for each experiment.

* Analyze test results and make data-backed recommendations on whether to roll out, iterate, or discontinue an initiative.

* Build an experimentation culture across the collections team, documenting learnings and sharing findings broadly.

Impact Measurement & Decision Support

* Own the end-to-end measurement framework for collections initiatives - from baseline to post-launch impact.

* Develop and maintain KPIs, recovery rate tracking, and portfolio health indicators across all markets.

* Deliver regular performance insights to collections leadership with clear, actionable recommendations.

* Support Senior Manager with analytical input for strategic decisions, headcount planning, and budget discussions.

Agency ROI & Benchmarking

* Monitor and evaluate the ROI of external collection agencies - fully separated from the operations function to ensure objectivity.

* Identify underperforming agency contracts and recommend revisions, renegotiations, or terminations based on data.

* Benchmark collection performance across markets, identifying gaps and best practices to replicate.

* Build and maintain agency scorecards that combine performance, cost, compliance, and risk metrics.

Segmentation & Analytics

* Conduct in-depth portfolio segmentation analysis to identify recovery patterns, risk profiles, and treatment opportunities.

* Support the development of collection score, propensity models and contact prioritization logic in collaboration with the Risk and Data Science teams.

* Translate complex analytical findings into clear, business-friendly recommendations for operations teams.

* Partner with risk, product, and data teams to align collections analytics with broader company data strategy.

Cross-functional Collaboration

* Work closely with collections operations and tools teams to ensure strategy is grounded in operational reality.

* Communicate strategy and results to senior stakeholders in executive-ready formats.

* Partner with finance, risk, and product to ensure collections strategy aligns with company-wide goals.

* Collaborate across departments to ensure data consistency and shared understanding of performance

Qualifications:

Technical Skills & Tools

* Mandatory: SQL (advanced), Python, Hex (or equivalent BI/notebook tools).

* Mandatory: solid foundation in statistics and quantitative methods - hypothesis testing, regression analysis, confidence intervals, and experimental design applied to business problems.

* Mandatory: hands-on experience with A/B testing methodologies, experimentation frameworks, and…