Collection Strategy Analyst
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Key skills for this role
About the Role
Astra Tech seeks a Collection Strategy Analyst to design, monitor, and optimize collections strategies across the delinquency lifecycle. The role requires a Bachelor's degree in a quantitative field and 1-3 years of experience in collections strategy or credit risk analytics.
Key Skills for This Role
Responsibilities
- 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
- 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
- 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
- Ensure all collection strategies and communication approaches comply with applicable regulations
Requirements
- 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
Full Job Posting
Role Summary
- The Collection Strategy Analyst is responsible for designing, monitoring, and optimizing collections strategies across the delinquency lifecycle.
- The role sits at the intersection of data analytics, credit risk, and operational execution translating portfolio behavior into actionable strategies that improve recovery rates, reduce credit losses, and enhance customer outcomes.
Key Responsibilities
- 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
- 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
- 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
- Ensure all collection strategies and communication approaches comply with applicable regulations (e.g., CBUAE Consumer Protection Regulation or relevant local framework)
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
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