Collections Analytics Manager – Credit Cards

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.
• - 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.