Position Overview

ATLANTICUS•Wilmington, DE

About The Position

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being. Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs. Office Locations Wilmington, DE – Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I-95, Amtrak, and SEPTA, employees enjoy flexible living options. Work Culture We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact. The Role We are seeking a highly analytical Collections Analyst to support our Credit Card Collections Operations team. This role is responsible for translating complex business requirements into actionable data insights that directly influence collections strategy, risk management, and profitability outcomes. The ideal candidate combines strong analytical and coding skills with a solid understanding of credit risk dynamics and financial performance. This individual will independently extract and analyze data to inform strategy decisions, measure test vs. control experiments, and evaluate the financial impact of collections initiatives.

Requirements

Moderate experience in credit card collections, consumer credit risk, or related financial operations
Strong analytical and quantitative problem-solving skills
Demonstrated ability to independently code and build complex queries (e.g., SQL or similar tools)
Working knowledge of credit risk concepts, portfolio performance metrics, and financial drivers of profitability
Experience supporting strategy decisions through structured analysis
Ability to manage multiple priorities independently in a fast-paced environment
Strong preference for a degree in Mathematics, Statistics, Finance, Economics, or a related quantitative field

Nice To Haves

Intellectually curious with a desire to understand both the operational and financial “why” behind performance
Strong financial acumen and comfort discussing risk, return, and trade-offs
Detail-oriented and disciplined in analytical rigor
Self-motivated, accountable, and willing to take ownership of work
Clear communicator who can translate complex analysis into actionable insights

Responsibilities

Translate complex and sometimes ambiguous business questions into structured analytical frameworks and data queries
Independently write, optimize, and validate queries to extract and analyze large datasets
Develop insights that support collections strategy, risk mitigation, and profitability optimization
Analyze portfolio performance, roll rates, recoveries, and other key risk indicators to inform financial decision-making
Measure and monitor test vs. control experiments to evaluate treatment effectiveness and financial impact
Build recurring and ad-hoc reporting to monitor key operational, risk, and financial metrics
Clearly communicate analytical findings and recommendations to leadership stakeholders
Ensure data integrity, accuracy, and consistency across reporting and analysis