Senior Collections Strategy Analyst

1 day, 8 hours ago
Full-time
Senior
Data Science and Analytics
Upgrade

Upgrade

Upgrade is a fintech unicorn founded in 2017, offering personal loans, credit cards, and rewards checking. They provide loans up to $50,000 with low fixed rates, free credit monitoring, and quick funding. Upgrade aims to help customers build a secure f...

Banks
201-500
Founded 2016
$307M raised

Description

  • Build analytics and reporting frameworks for recovery programs, including debt sale, third-party agencies, and debt settlement company (DSC) programs.
  • Design, test, and maintain pre-charge-off dialer strategies, including contact cadence, prioritization, and channel sequencing.
  • Develop and evaluate experiments to optimize collections treatments and operational strategies.
  • Create quarterly business reviews, KPIs, and reporting cadences to monitor third-party collection agency performance.
  • Own digital communications strategy across email, SMS, and AI voice channels while balancing performance, borrower experience, and compliance.
  • Analyze DSC settlement performance, including acceptance rates, recovery yield, and portfolio trends.
  • Evaluate hardship program design and performance to improve borrower outcomes and reduce recidivism.
  • Perform ad hoc portfolio analysis for Collections leadership and cross-functional partners.
  • Partner with Risk, Compliance, Legal, Operations, and Product to implement data-driven strategies.
  • Present findings, trade-offs, and recommendations to technical, non-technical, and senior stakeholders.

Requirements

  • 3–5+ years of experience in a quantitative, analytics, or strategy role, ideally in collections, credit risk, or recovery operations within financial services or fintech.
  • Advanced SQL skills and ability to independently query large, complex datasets.
  • Experience building dashboards and reporting in Tableau or a comparable BI tool.
  • Advanced proficiency with Excel and/or Google Sheets.
  • Experience designing and analyzing test-and-learn experiments, such as A/B tests, to optimize operations.
  • Strong analytical problem-solving skills and ability to turn raw data into actionable recommendations.
  • Excellent written and verbal communication skills, including presenting strategy to senior stakeholders.
  • Ability to independently own ambiguous, cross-functional work in a fast-paced environment.
  • BA/BS in Mathematics, Statistics, Engineering, Economics, or a related quantitative field, or equivalent practical experience.
  • Direct collections-operations experience, familiarity with collections regulations, Python or R knowledge, and vendor or agency performance-management experience are preferred.

Benefits

  • Competitive salary of $100,000–$120,000 annually in San Francisco, plus equity and benefits.
  • Stock option plan.
  • Medical, dental, and vision insurance with employer-paid options.
  • Flexible PTO.
  • Competitive 401(k) plan.
  • Professional growth and development opportunities.
  • Paid parental leave.
  • Health and wellness initiatives.

Interested in this position?

Apply directly on the company website

Apply Now

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