Senior Collections Strategy and Policy Analyst

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. Develop, review, and monitor collections strategies and policies for financial products .

Posted 11/5/2026full-timeSão Paulo • BrazilSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and monitoring collections strategies and policies for financial products, utilizing advanced analytical skills with SQL and Python to analyze portfolio behavior and optimize customer journeys. Proficient in statistical methods and data manipulation to support decision-making and enhance credit recovery processes.

Highest-signal resume keywords

Advanced SQLPython Data ManipulationCredit Recovery StrategiesStatistical AnalysisData Cleansing and Validation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections StrategiesCredit Lifecycle KnowledgePerformance AnalysisStatistical MethodsAnalytical ModelsData ExplorationData ProcessingKPI DevelopmentA/B TestingCustomer Segmentation

Tools & Technologies

DatabricksPandasNumPy

Industry Keywords

Financial ProductsCredit OperationsRisk ManagementDelinquency AnalysisCollections Policies

Tech Stack

Tools & technologies

NumpyPandasPythonSQL

About the role

Key responsibilities & impact

Develop, review, and monitor collections strategies and policies for financial products
Analyze portfolio behavior across different delinquency buckets and stages of default
Develop customer segments based on risk, payment propensity, outstanding balance, behavior, delinquency, and negotiation history
Evaluate renegotiation, installment, discount, payoff, and credit recovery strategies
Build analyses using large volumes of data through SQL, Python, and Databricks
Develop statistical studies and analytical models to identify patterns and recovery opportunities
Design Champion vs. Challenger and A/B tests, defining test and control groups, hypotheses, success metrics, and results interpretation
Evaluate policy efficiency using recovery, conversion, regularization, re-default, and financial impact metrics
Develop payment propensity, segmentation, and customer prioritization studies
Identify opportunities to optimize customer journeys and collections treatment strategies across different channels
Monitor strategy performance and quickly identify deviations or opportunities
Build KPIs, analyses, and executive materials to support management decision-making
Collaborate with Credit, Risk, Financial Products, Data, Technology, Operations, and collections channels/partners
Support the evolution of decision engines and automation mechanisms for collections policies

Requirements

What you’ll need

Relevant experience in collections, credit recovery, credit, or risk
Knowledge of financial products, such as loans, financing, credit cards, installment credit, or similar credit operations
Knowledge of the credit lifecycle, from origination through delinquency and recovery
Experience defining or monitoring collections policies and strategies
Ability to analyze performance by vintage, aging/delinquency bucket, product, channel, segment, and risk profile
Advanced SQL
Experience handling large volumes of data
Complex joins
Window functions
CTEs
Aggregations and analytical dataset construction
Data cleansing and validation
Python
Data manipulation and analysis
Pandas and NumPy
Development of exploratory analyses and automations
Application of statistical methods and analytical models
Databricks
Experience using the environment for data exploration and processing
Building notebooks and analyses using SQL/Python
Experience with large databases will be considered a strong asset

Benefits

Comp & perks

Flexible benefits platform with options for meals, healthcare, wellness, and quality of life
Medical and dental insurance
Life insurance
Profit-sharing and/or variable compensation program
Private pension plan
Support allowance for expenses related to children and dependents
Connectivity benefits and corporate tools to support job performance
Hybrid work model, with the possibility of working remotely on certain days of the week
Flexible working hours
Birthday day off
Professional development programs, including courses, training, certifications, and educational partnerships
Programs focused on employees’ physical, emotional, and social health
An inclusive and diverse environment that values authenticity, respect, and each person’s potential.