Collections Strategy Lead (SQL/Python, Data‑Driven) in London

About Jaja

Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.

Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple.

Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making. We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.

We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.

Why Join Us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech‑savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

Location requirement: This role requires being in our London office 2 days a week, so please only apply if you're comfortably able to meet this requirement: 47-51 Great Suffolk St, London SE1 0BS.

Collections Strategy Manager

We’re looking for someone who thoroughly understands the end-to-end credit card Collections & Recoveries lifecycle. The successful candidate will be hands‑on and delivery-focused, designing and executing the development of our Collections and Recoveries strategies using a test‑and‑learn, data‑driven approach. You will work closely with Operations, Credit Risk, Product and Data to translate strategy into execution (policies, treatments, decision rules, customer journeys and tooling).

This is a permanent role.

Key responsibilities

• Design, challenge and optimise end-to-end credit card Collections & Recoveries strategies across all delinquency stages (pre‑delinquency, 1‑30, 31‑60, 61‑90, charge‑off and post charge‑off), using segmentation, affordability/forbearance considerations and treatment paths to continuously improve performance.
• Build a structured test‑and‑learn programme (champion/challenger, A/B tests) for letters/SMS/email, contact strategies, digital journeys, repayment options, agent scripting and strategy rules; define success metrics and ensure statistically sound evaluation.
• Own strategy requirements end‑to‑end: document decision logic, write clear tickets/user stories, align stakeholders, and drive delivery through to implementation and measured outcomes.
• Support the Collections Operations team when needed (clarifying strategy intent, handling ad‑hoc data/MI requests, triaging issues, supporting UAT and go‑live, and monitoring early performance).
• Ensure all Collections activity is compliant with relevant regulation and internal policies (including fair customer outcomes and vulnerability considerations), with robust controls, MI and audit trails for strategy changes.
• Partner with Product & Engineering to shape and leverage Collections technology (decisioning, workflow/case management, communications tooling, dialler strategies, self‑serve journeys), proactively identifying automation opportunities and implementation risks.
• Be a hands‑on data practitioner: use SQL and a scripting language (e.g., Python) to extract, transform and analyse large datasets, validate strategy performance, and create repeatable analysis pipelines.
• Define and communicate performance KPIs across the Collections funnel (roll rates, cure rates, contact/response, promise‑to‑pay kept, net loss, recoveries, cost‑to‑collect), producing clear performance packs and actionable insights.
• Undertake portfolio monitoring and analytical deep dives (segmentation, vintage/cohort views, behavioural score performance, line management impacts).