Collections Strategy Specialist

1 hour, 49 minutes ago
Full-time
Senior
Data Science and Analytics
RecargaPay

RecargaPay

RecargaPay is a fintech company offering essential financial services through an app, simplifying bill payments, Pix transfers, mobile recharges, and transportation card top-ups for users.

Capital Markets
251-1K
Founded 2010
$135M raised

Description

  • Develop and execute portfolio segmentation strategies based on risk modeling and customer behavior.
  • Monitor, analyze, and explain performance variances in key collections metrics such as roll rates, flow rates, cure rates, and LGD.
  • Optimize unit economics by balancing recovery rates against internal and external collection costs.
  • Identify bottlenecks in the collections funnel and lead cross-functional projects to automate and improve the customer experience.
  • Design, implement, and measure A/B tests across communication channels, messaging tones, and settlement offers.
  • Translate complex data into clear, actionable insights and strategic presentations for senior leadership.
  • Own strategic portfolio decisions and drive scalable, data-driven recovery initiatives.
  • Collaborate with Product, Engineering, and Data Science teams to improve collections processes.

Requirements

  • Proven ability to turn raw data into business strategy and challenge assumptions with quantitative analysis.
  • Strong command of SQL for data extraction and manipulation.
  • Proficiency with BI tools.
  • Solid understanding of credit products, P&L impact, and provisioning (PCLD).
  • Strong ownership mindset with the ability to take full responsibility for portfolio results.
  • Ability to communicate complex technical findings clearly to non-technical stakeholders.
  • Previous experience in fintechs, neobanks, or high-growth technology environments is preferred.
  • Experience with collection automation and managing APIs for third-party recovery partners is preferred.
  • Familiarity with AI/machine learning tools applied to credit recovery and propensity-to-pay models is preferred.

Benefits

  • Competitive and market-aligned salary.
  • Remote work from anywhere.
  • Home office allowance via a monthly deposit in the RecargaPay app.
  • Health and dental plans with no co-pay.
  • Life insurance.
  • Flexible meal allowance via Flash.
  • TotalPass membership for health and wellness.

Interested in this position?

Apply directly on the company website

Apply Now

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