Collection Strategy Analyst

Role Summary

Strategy Design & Optimization

• Develop and refine segmentation-based collections strategies across DPD buckets (early, mid, late, and pre-write-off)
• Design treatment paths (SMS, IVR, agent, legal, settlement) by risk segment, product, and exposure tier
• Build and maintain roll rate, cure rate, and flow rate models to inform strategy decisions
• Conduct champion/challenger testing on contact strategies, offer structures, and channel sequencing

Portfolio Analytics & Reporting

• Produce regular MIS reports covering delinquency trends, bucket migration, recovery performance, and vintage analysis
• Monitor strategy KPIs including Contact Rate, RPC Rate, PTP Rate, kept-PTP rate, and net recovery rate
• Identify emerging risk signals in portfolio behavior and escalate with structured analysis
• Support ECL and provisioning conversations with delinquency flow data

Operational Support

• Translate strategy into dialer configurations, agent scripting, and workflow rules in coordination with operations teams
• Work with IT/operations to implement and validate strategy changes in collections platforms
• Support capacity planning by modeling contact volume, resolution rates, and agent productivity requirements

Regulatory & Policy Compliance

• Ensure all collection strategies and communication approaches comply with applicable regulations (e.g., CBUAE Consumer Protection Regulation or relevant local framework)
• Maintain documentation of strategy rationale, change logs, and approval trails per internal governance standards

Stakeholder Collaboration

• Present strategy recommendations and portfolio findings to senior risk and collections leadership
• Coordinate with Credit Risk, Finance, and Operations to align collections strategy with broader portfolio objectives
• Support collections agency performance reviews with data and strategy insights

Required Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field
• 1-3 years of experience in collections strategy, credit risk analytics, or a related function within banking or fintech
• Strong proficiency in SQL; experience with Python or R is an advantage
• Hands-on experience with collections or dialer platforms
• Demonstrated ability to build and interpret flow rate, roll rate, and vintage analyses
• Solid understanding of IFRS 9 provisioning concepts and their relationship to delinquency management

Preferred Qualifications

• Experience in consumer lending, personal finance, or small-to-medium loan portfolios
• Exposure to digital collections channels (in-app nudges, chatbots, auto-debit logic)
• Familiarity with regulatory frameworks governing collections practice in the relevant market
• Experience designing or evaluating settlement and restructuring frameworks