Collections Analytics Manager Credit Cards

Location: Remote, US (Travel to Wilmington or Charlotte office once or twice a month for any important in-person client meetings)

Role Summary:

• We are seeking a highly skilled and experienced Collections Analytics Manager to join our dynamic team
• supporting a leading credit card client. The ideal candidate will be responsible for developing,
• implementing, and optimizing collections strategies across the delinquency lifecycle to minimize credit
• losses and manage cost-to-collect, while balancing customer experience and regulatory compliance.

Role and Responsibilities:

• Develop and implement collections strategies across all stages of delinquency (early-stage, mid-stage, late-stage, and pre-charge-off) by collaborating with cross-functional stakeholders, including Collections Operations, Credit Risk, Regulatory/Compliance, Product, Finance, and Analytics teams, ensuring alignment with business objectives and compliance requirements.
• Design and optimize risk-based treatment strategies, including customer segmentation and prioritization, contact channel mix (dialer, SMS, email, digital self-service, letters), contact timing and intensity, and hardship, payment plan, and settlement offers.
• Conduct end-to-end data analysis across the collections funnel, including roll rates, cure rates, flow-to-loss, right-party contact rates, promise-to-pay and kept-promise rates, dollars collected, and cost-to-collect, to identify risks, opportunities, and performance improvement areas.
• Design, execute, and evaluate champion/challenger and A/B tests on collections treatments; measure incremental impact and scale winning strategies.
• Partner with modeling teams to develop, deploy, and monitor collections models such as behavior scores, propensity-to-pay, self-cure, and settlement propensity models, and embed them into strategy design.
• Monitor and track portfolio delinquency and charge-off performance metrics; analyze emerging trends and macroeconomic stress indicators; and recommend strategic enhancements to optimize net credit losses and risk-adjusted returns.
• Support delinquency and charge-off forecasting in partnership with Finance and Loss Forecasting teams.
• Partner with Collections Operations on dialer strategy, agency placement strategy, and capacity planning, translating analytical strategies into operational execution.
• Present analytical insights and strategic recommendations to senior leadership, driving consensus through governance forums and securing approvals for policy and strategy implementation.

Qualifications:

• Educational Background: Bachelor's or higher degree in engineering, statistics, mathematics, economics, or any relevant quantitative field.
• Industry Experience: Minimum of 6 years of experience in credit risk or collections analytics, with a focus on collections strategy development for credit cards or other unsecured lending products. Previous experience in analytics consulting in the Banking domain.
• Domain Knowledge: Strong understanding of the credit card collections lifecycle, delinquency buckets and roll-rate dynamics, charge-off policies, and agency management.
• Technical Skills: Strong proficiency in SQL or Python is essential. Preference for hands-on experience with Snowflake, Power BI, and Looker. Familiarity with collections platforms, dialer systems, and decision engines is a plus.
• Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis, test design and measurement, segmentation, and financial modeling, including NPV- based evaluation of collections strategies.
• Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels.
• Experience in working with financial institutions such as bank or fintech collections or risk analytics departments.