Collections Analytics Manager – Credit Cards at EXL

Job description

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. Work Location: Remote, US Salary Range: $130K/Yr - $150K/Yr Base + Annual Bonus The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process For more information on benefits and what we offer please visit us at US Careers and Benefits • 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. • Educational Background: Bachelor's or higher degree in engineering, statistics, mathematics, economics, or any relevant quantitative field. • Industry Experience: 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. • Domain Knowledge: Strong understanding of the credit card collections lifecycle, delinquency buckets and roll-rate dynamics, charge-off policies, and agency management. • Technical Skills: Strong proficiency in SQL or Python is essential. Preference for hands-on experience with Snowflake, Power BI, and Looker. Familiarity with collections platforms, dialer systems, and decision engines is a plus. • Analytical Skills: 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. • Communication Skills: 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. Collections Analytics Manager – Credit Cards

Requirements

Must-haves

Work Location: Remote, US
For more information on benefits and what we offer please visit us at US Careers and Benefits
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.
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.
Educational Background: Bachelor's or higher degree in engineering, statistics, mathematics, economics, or any relevant quantitative field.
Domain Knowledge: Strong understanding of the credit card collections lifecycle, delinquency buckets and roll-rate dynamics, charge-off policies, and agency management.
Communication Skills: 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.
Collections Analytics Manager – Credit Cards

Nice-to-haves

None flagged.

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Keywords to mirror

sqlpython

Platform: oracle-cloud
Effort: medium