- We’re looking for a curious, data-driven analyst to join our Collections & Recoveries team
- Working closely with the Collections Strategy Manager, you’ll help design, test and monitor the strategies that determine how we support credit card customers in financial difficulty — from early delinquency through to charge-off and post-charge-off recoveries
- This is a hands‑on role: you’ll spend a lot of your time in SQL and Python, building analysis pipelines, running champion/challenger tests and turning data into clear, actionable insight
- Strategy analysis & optimisation:
- Support the design and ongoing optimisation of collections strategies across all delinquency stages (pre-delinquency, 1–30, 31–60, 61–90+, charge-off and post charge-off). Analyse segmentation, treatment paths and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations
- Test & learn programme:
- Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options and strategy rules. Define success metrics, size tests correctly and produce statistically robust evaluation packs that drive confident decisions
- Data & MI:
- Build and maintain repeatable analysis pipelines, define consistent metric definitions and produce regular MI and performance packs covering key KPIs: roll rates, cure rates, promise‑to‑pay kept, contact and response rates, net loss and recoveries
- Portfolio monitoring & deep dives:
- Conduct regular portfolio monitoring and analytical deep dives — segmentation, vintage/cohort analysis, behavioural score performance and payment hierarchy effects — and present findings clearly, with prioritised recommendations for the Collections Strategy Manager
- Delivery support:
- Support the end‑to‑end delivery of strategy changes: help document decision logic and user stories, assist with UAT, support go‑live monitoring and contribute to governance and audit requirements. Work with Operations, Credit Risk, Product and Data teams day‑to‑day
Benefits
- Compensation: We review salaries each year to ensure performance is rewarded and we retain our talent. If your responsibilities increase, so will your pay! You’ll also be included in our annual discretionary bonus scheme, linked to your performance.
- Holiday: You’ll start with 25 days a year of annual leave, plus public holidays, with an extra day of holiday added for each completed year of service (up to a maximum of 30 days). Plus, we’ll give you your birthday off each year.
- Health & Wellbeing: We’ve got you covered with private health cover through Vitality, with some additional perks, discounts and rewards to keep you active. You can also take advantage of our Employee Assistance Programme, with 24/7 support for issues like bereavement and health worries, access the cycle to work scheme and benefit from paid sick leave if you need to take a break.
- Learning & Development: We have a variety of internal learning opportunities to support your development, including company‑funded training to support your professional development, and department‑specific career pathways to provide growth and advancement opportunities.
- Pension: UK and Ireland‑based employees will be automatically opted in to our enhanced pension scheme, with options to flex your contribution via our salary exchange scheme (or opt‑out completely) as your choose.
- Family: All colleagues benefit from life insurance (4x base salary) and paid maternity, paternity, adoption or shared parental leave, if you’ve been with us for at least 26 weeks. Our flexible working policy is designed to offer support where needed.
Do you enjoy digging into data, uncovering insights, and finding smarter ways to support customers through challenging financial situations?
Are you naturally curious, analytical, and motivated by using data to drive better outcomes?
If you’re looking for an opportunity to shape collections strategies in a growing fintech, keep reading
Credit card experience is preferred, but it’s not essential
Able to work with large, complex datasets and translate findings into clear insight. Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly
Pragmatic team player who enjoys working cross‑functionally. Can build good working relationships with Operations, Risk, Product and tech colleagues and asks good questions
Analytical mindset Comfortable working at pace in an agile, fast‑changing environment. Can manage multiple workstreams simultaneously without losing attention to detail, and takes tasks through to completion Collections experience Pace & delivery Data skills Knowledge data extraction, transformation and analysis. Comfortable with joins, window functions, cohorting and building repeatable pipelines Can present complex analysis clearly and concisely to a range of audiences. Writes well, structures arguments logically and is comfortable producing performance packs and strategy documentation Communication Experience in consumer finance collections and recoveries, ideally including credit card. Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability Collaboration Experience working in a fintech or digitally‑led lender with in‑house decisioning and fast release cycles Exposure to experimentation frameworks or formal A/B testing
