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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in defining treatment strategies and policies for collections and credit recovery, utilizing advanced analytical techniques and tools. Proficient in developing predictive models and collaborating across teams to enhance portfolio management and optimize recovery initiatives.
Highest-signal resume keywords
Collections Strategy DevelopmentPredictive ModelingSQL ProficiencyAdvanced Excel SkillsCredit Recovery Experience
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisStatistical TechniquesMachine LearningArtificial IntelligencePortfolio SegmentationRenegotiation PoliciesPerformance IndicatorsFeasibility StudiesA/B TestingContactability Analysis
Soft Skills
Analytical ThinkingProblem-SolvingStrategic MindsetProactive ApproachOwnership-Driven
Tools & Technologies
Power BIPythonSASDatabricksData Science Platforms
Certifications & Qualifications
Bachelor’s DegreeGraduate DegreeMBA
Industry Keywords
Credit ManagementCollections PerformanceRisk ManagementFinancial InstitutionsLoss Provisioning
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Define treatment strategies by product, customer segment, delinquency bucket, and risk profile.
- Structure policies for renegotiation, discounts, installment plans, and the recovery of delinquent contracts, optimizing negotiation authority levels to balance recovery, profitability, and risk.
- Continuously develop and review preventive collection, administrative collection, and credit recovery policies.
- Analyze cure rates, roll rates, net recovery, contactability, payment promises, channel effectiveness, cohort and vintage studies, and portfolio behavior.
- Anticipate portfolio deterioration trends.
- Use statistical techniques and analytical tools to develop predictive models for recovery, payment propensity, renegotiation, and contactability.
- Segment customers and prioritize portfolios.
- Develop machine learning, artificial intelligence, and automation initiatives applied to collections.
- Conduct A/B tests and pilot new strategies, measuring their impact and financial returns.
- Prepare feasibility studies and business cases for new recovery initiatives.
- Collaborate with Credit, Modeling, Product, Legal, Compliance, Technology, Data, and Operations teams.
- Support executive forums and Credit and Collections committees through analyses and executive presentations.
Requirements
What you’ll need- Bachelor’s degree in Business Administration, Economics, Engineering, Statistics, Mathematics, Data Science, Information Technology, or a related field.
- Graduate degree, MBA, or specialization in Risk, Credit, Finance, Analytics, or Management is a plus.
- Experience in collections, credit recovery, collection strategies, credit, or portfolio management within financial institutions.
- Experience defining recovery, renegotiation, and portfolio segmentation policies, with solid knowledge of collections performance indicators.
- Knowledge of loss provisioning (PDD/ECL) and the impact of collection strategies on business results.
- Proficiency in SQL, Power BI, Advanced Excel, Python, SAS, Databricks, or data science platforms.
- Strong analytical and critical-thinking skills, with a strategic and results-oriented mindset.
- Ability to translate data into executive recommendations, with a proactive, ownership-driven approach and strong problem-solving skills.
Benefits
Comp & perks- Health insurance with no monthly premium + Telemedicine
- Dental insurance with no monthly premium
- Meal and food vouchers
- Life insurance
- Funeral assistance
- Private pension plan
- Competitive annual variable compensation (bonus)
- Profit-Sharing Program
- Único Skill (free education benefit)
- Bicycle parking and changing room
- Childcare assistance
- Internet allowance
- Well-being programs
- On-site medical clinic
- Expectant Mothers Program
- Extended maternity and paternity leave
- Copay waiver for pregnant employees and babies up to 1 year old
- Personalized baby kit
- Dr. BMG – Telepsychology + Telemedicine + Nutritionist + Nurse and Physical Education Professional, extended to dependents
- PAP – Financial, legal, and psychological assistance program
- Gympass/Wellhub – Gym membership discounts
- Pharmacy benefit
- Fresh fruit every day
- Birthday day off
- Flexible dress code
- Hybrid work model