Analyze, redesign, and execute a modern, data-driven collections and recovery strategy for personal loan portfolio.
Serve as the primary architect and executor of a new approach rooted in personalization, AI/ML modeling, segmentation, multi-channel engagement.
Conduct a full diagnostic of existing treatment paths, channel dependency, saturation levels, and performance breakpoints.
Design new segmentation frameworks, risk-based treatment paths, and personalized engagement journeys.
Build and deploy AI/ML-informed strategies, including repayment propensity models, roll prediction, and next-best-action recommendations.
Reduce reliance on phone outreach by expanding digital-first strategies across SMS, email, IVR, self-service, and automated flows.
Define and own the evaluation of strategy effectiveness (cure rates, roll rates, loss mitigation).

Requirements

Bachelor’s degree in Business, Finance, Data/Computer Science, or related field; Master’s preferred.
10+ years of experience in collections strategy, risk strategy, consumer lending, or analytics-driven servicing environments.
Proven experience transforming collections operations from traditional workflows to data-driven, digital-first, segmentation-based execution.
Strong analytical skills with hands-on experience in SAS (preferred), SQL, Python, or other analytical tools.
Familiarity with decision engines, CRM technologies, dialer platforms, and modern digital engagement tools.
Deep understanding of regulatory frameworks governing collections.
Demonstrated ability to lead cross-functional initiatives and drive measurable portfolio outcomes.

Benefits

Pre-tax and post-tax retirement savings plans with a competitive company matching program
Generous paid time-off plans including vacation, personal/sick time, paid short- term and long-term disability leaves, paid parental leave, and paid company holidays
Multiple health care plans to choose from, including dental and vision options
Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

data-driven collections strategyAI/ML modelingsegmentation frameworksrepayment propensity modelsroll predictionnext-best-action recommendationsSASSQLPythonanalytical tools

Soft Skills

analytical skillsleadershipcross-functional collaborationcommunicationstrategic thinkingproblem-solvinginitiativeadaptabilitymeasurable outcomespersonalization