Description:
Key Responsibilities:
- Lead end-to-end credit card collections strategy, monitoring, and optimization.
- Analyze collections performance across buckets and stages, identifying trends, risks, and improvement opportunities.
- Design and maintain collections performance dashboards, scorecards, and tracking models.
- Work closely with operations, risk, product, and technology teams to drive collections efficiency and reduce delinquency.
- Translate complex analytical insights into actionable business recommendations for senior leadership.
- Develop and execute data-backed initiatives to improve recovery rates and operational productivity.
- Mentor and guide team members, building strong analytical and business problem-solving capabilities.
- Ensure adherence to internal policies, regulatory guidelines, and compliance standards.
- Manage multiple priorities in a dynamic, fast-paced environment while maintaining attention to detail.
Required Skills & Qualifications:
- Minimum 8+ years of experience in credit card collections, collections analytics, or operations analytics.
- Prior experience in BFSI or fintech organizations is strongly preferred.
- Strong understanding of:
- Credit card collections lifecycle
- Delinquency buckets, roll rates, and recovery metrics
- Collections definitions and performance KPIs
- Advanced SQL proficiency with hands-on experience handling large and complex datasets.
- Proven experience in:
- Designing and implementing collections strategies
- Building performance tracking and reporting models
- Excellent business acumen with the ability to convert data into strategic and operational insights.
- Strong communication and presentation skills, with experience engaging senior leadership.
- Demonstrated ability to mentor, coach, and develop analytical talent.
- Highly organized, detail-oriented, and comfortable managing multiple initiatives simultaneously.
Preferred Skills:
- Experience with reporting and visualization tools (Power BI, Tableau, or similar).
- Exposure to automation, analytics platforms, or data warehouses.
- Knowledge of regulatory and compliance requirements related to credit card collections.
- Experience working in large, matrixed organizations.
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