Deskripsi Pekerjaan
Home Credit is seeking an analytical and strategic Senior Analyst (Collections) to join our operations in Quezon City. In this role, you will deliver advanced technical analytics focused on late collections, translating complex consumer data into targeted collection strategies and operational improvements.
As a critical member of our risk and operations intelligence team, you will diagnose portfolio trends, evaluate recovery efficiencies, and pinpoint drivers of delinquency. You will collaborate closely with collections operations, risk management, and tech teams to deploy automated, data-driven interventions that reduce credit losses while preserving positive customer engagement.
This position is ideal for an experienced quantitative analyst looking to take ownership of end-to-end collections strategies, leverage modern analytics tooling, and shape retail finance operations at scale.
Tanggung Jawab
- Perform specialized quantitative analysis on late collections portfolios to identify default drivers and recovery bottlenecks.
- Develop, test, and implement data-driven collections strategies and customer segmentations to optimize operational recovery rates.
- Design and maintain automated reporting pipelines, performance scorecards, and monitoring dashboards using SQL and BI platforms.
- Run champion-challenger pilots to measure the efficacy of new recovery workflows, digital outreach channels, and contact strategies.
- Collaborate with collections management to translate analytical insights into daily frontline operational workflows.
- Monitor roll rates, vintage curves, and cure rates to provide timely risk assessments to executive leadership.
- Ensure all collections strategies and data practices adhere to statutory regulations and internal risk policies.
Kualifikasi
- Bachelor’s degree in Statistics, Mathematics, Computer Science, Economics, Finance, or a related quantitative field.
- Minimum of 4 to 6 years of hands-on experience in credit risk analytics, collections analytics, or consumer lending portfolio management.
- Advanced proficiency in SQL for data extraction and querying, along with working knowledge of Python or R.
- Demonstrated experience designing interactive performance reports in Power BI, Tableau, or Qlik.
- Strong understanding of debt collection lifecycles, delinquency buckets, provisioning, and roll-rate dynamics.
- Proven capacity to bridge technical data findings with commercial strategy to influence operational changes.
- Strong English communication skills, both written and verbal, for technical and non-technical stakeholders.