Collections Analytics Manager – Credit Cards

EXL•United States,

2d•$130,000 - $150,000•Remote

About The Position

We are seeking a highly skilled and experienced Collections Analytics Manager to join our dynamic team supporting a leading credit card client. The ideal candidate will be responsible for developing, implementing, and optimizing collections strategies across the delinquency lifecycle to minimize credit losses and manage cost-to-collect, while balancing customer experience and regulatory compliance.

Requirements

Bachelor's or higher degree in engineering, statistics, mathematics, economics, or any relevant quantitative field.
Minimum of 6 years of experience in credit risk or collections analytics, with a focus on collections strategy development for credit cards or other unsecured lending products.
Previous experience in analytics consulting in the Banking domain.
Strong understanding of the credit card collections lifecycle, delinquency buckets and roll-rate dynamics, charge-off policies, and agency management.
Strong proficiency in SQL or Python is essential.
Strong analytical and problem-solving skills.
Past experience in statistical analysis, test design and measurement, segmentation, and financial modeling, including NPV-based evaluation of collections strategies.
Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels.
Experience in working with financial institutions such as bank or fintech collections or risk analytics departments.

Nice To Haves

Hands-on experience with Snowflake, Power BI, and Looker.
Familiarity with collections platforms, dialer systems, and decision engines is a plus.

Responsibilities

Develop and implement collections strategies across all stages of delinquency (early-stage, mid-stage, late-stage, and pre-charge-off) by collaborating with cross-functional stakeholders, including Collections Operations, Credit Risk, Regulatory/Compliance, Product, Finance, and Analytics teams, ensuring alignment with business objectives and compliance requirements.
Design and optimize risk-based treatment strategies, including customer segmentation and prioritization, contact channel mix (dialer, SMS, email, digital self-service, letters), contact timing and intensity, and hardship, payment plan, and settlement offers.
Conduct end-to-end data analysis across the collections funnel, including roll rates, cure rates, flow-to-loss, right-party contact rates, promise-to-pay and kept-promise rates, dollars collected, and cost-to-collect, to identify risks, opportunities, and performance improvement areas.
Design, execute, and evaluate champion/challenger and A/B tests on collections treatments; measure incremental impact and scale winning strategies.
Partner with modeling teams to develop, deploy, and monitor collections models such as behavior scores, propensity-to-pay, self-cure, and settlement propensity models, and embed them into strategy design.
Monitor and track portfolio delinquency and charge-off performance metrics; analyze emerging trends and macroeconomic stress indicators; and recommend strategic enhancements to optimize net credit losses and risk-adjusted returns.
Support delinquency and charge-off forecasting in partnership with Finance and Loss Forecasting teams.
Partner with Collections Operations on dialer strategy, agency placement strategy, and capacity planning, translating analytical strategies into operational execution.
Present analytical insights and strategic recommendations to senior leadership, driving consensus through governance forums and securing approvals for policy and strategy implementation.