Collections Strategy Analyst, Jaja

• Do you enjoy digging into data, uncovering insights, and finding smarter ways to support customers through challenging financial situations?
• Are you naturally curious, analytical, and motivated by using data to drive better outcomes? If you're looking for an opportunity to shape collections strategies in a growing fintech, keep reading
• Credit card experience is preferred, but it's not essential
• Data skills
• Knowledge data extraction, transformation and analysis. Comfortable with joins, window functions, cohorting and building repeatable pipelines
• Collections experience
• Experience in consumer finance collections and recoveries, ideally including credit card. Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability
• Analytical mindset
• Able to work with large, complex datasets and translate findings into clear insight. Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly
• Communication
• Can present complex analysis clearly and concisely to a range of audiences. Writes well, structures arguments logically and is comfortable producing performance packs and strategy documentation
• Pace & delivery
• Comfortable working at pace in an agile, fast-changing environment. Can manage multiple workstreams simultaneously without losing attention to detail, and takes tasks through to completion
• Collaboration
• Pragmatic team player who enjoys working cross-functionally. Can build good working relationships with Operations, Risk, Product and tech colleagues and asks good questions

Desirable

• We're looking for a curious, data-driven analyst to join our Collections & Recoveries team
• Working closely with the Collections Strategy Manager, you'll help design, test and monitor the strategies that determine how we support credit card customers in financial difficulty — from early delinquency through to charge-off and post-charge-off recoveries
• This is a hands-on role: you'll spend a lot of your time in SQL and Python, building analysis pipelines, running champion/challenger tests and turning data into clear, actionable insight
• Strategy analysis & optimisation:
• Support the design and ongoing optimisation of collections strategies across all delinquency stages (pre-delinquency, 1–30, 31–60, 61–90+, charge-off and post charge-off). Analyse segmentation, treatment paths and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations
• Test & learn programme:
• Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options and strategy rules. Define success metrics, size tests correctly and produce statistically robust evaluation packs that drive confident decisions
• Data & MI:
• Build and maintain repeatable analysis pipelines, define consistent metric definitions and produce regular MI and performance packs covering key KPIs: roll rates, cure rates, promise-to-pay kept, contact and response rates, net loss and recoveries
• Portfolio monitoring & deep dives:
• Conduct regular portfolio monitoring and analytical deep dives — segmentation, vintage/cohort analysis, behavioural score performance and payment hierarchy effects — and present findings clearly, with prioritised recommendations for the Collections Strategy Manager
• Delivery support:
• Support the end-to-end delivery of strategy changes: help document decision logic and user stories, assist with UAT, support go-live monitoring and contribute to governance and audit requirements. Work with Operations, Credit Risk, Product and Data teams day-to-day