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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in developing and executing collections strategies while leveraging data analytics for targeted customer engagement. Proficient in risk management, regulatory compliance, and performance measurement to drive operational efficiencies and enhance credit risk assessment capabilities.
Highest-signal resume keywords
Collections Strategy DevelopmentData Analytics and SegmentationRisk Management and CompliancePerformance Measurement and ReportingCustomer Engagement and Communication
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 ModelingCredit Risk AssessmentA/B TestingSQLSASETLStatistical ValidationQuantitative MethodsBehavioral SegmentationPortfolio Segmentation
Soft Skills
Analytical SkillsProblem-Solving SkillsWritten CommunicationVerbal CommunicationRelationship Management
Tools & Technologies
MS ExcelPowerPointSASRMatlabTableauPC-Based Analytical SoftwareDigital Outreach Channels
Industry Keywords
TCPAFDCPACFPBCollections Lifecycle StrategyRegulatory Compliance
Tech Stack
Tools & technologiesETLSQLTableau
About the role
Key responsibilities & impact- Develop and execute collections strategies across early- to late-stage delinquency
- Improve cure rates, roll rates, and customer engagement
- Use data analytics and segmentation to design targeted treatment strategies across SMS, digital, call, and legal channels
- Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation
- Identify customer segments using behavioral, risk, and engagement data
- Partner with Legal, Compliance, Operations, and Digital Vendors to implement compliant, scalable strategies
- Monitor performance metrics such as RPC%, PTP%, liquidation curves, and roll rates
- Deliver insights and recommendations to leadership and Senior Management
- Ensure strategies adhere to TCPA, FDCPA, CFPB guidance, and other regulatory standards
- Support digital transformation initiatives, including automation and vendor integrations
- Lead or participate in new initiatives, workflow improvements, services, applications, and operational efficiencies
- Develop and enhance credit risk assessment capabilities
- Create regular reports using quantitative methods and MIS, recommending increased efficiency and revenue while managing credit risk
- Work cross-functionally with teams outside Risk
- Work with Internal Audit and External Regulators to maintain complete, current process documentation
- Proactively manage credit risk within Bank guidelines
- Communicate relevant issues and foster effective relationships with internal and external groups
Requirements
What you’ll need- Bachelor's degree required; Graduate degree preferred
- 5+ years' experience required
- Proficient PC skills, including strong competency in MS Excel and PowerPoint
- Experience with PC-based analytical and reporting software packages
- Experience with relational databases and Extract Transform Load (ETL) using SQL or SAS
- Familiarity with analytical or reporting tools such as SAS, R, Matlab, and Tableau
- Strong analytical and problem-solving skills
- Experience in data modeling and risk management
- Excellent written and verbal communication skills
- Experience developing and presenting recommendations to Senior Management
- Experience with customer, risk, and portfolio segmentation
- Experience building and driving credit risk and collections strategies
- Experience with A/B testing, experimental design, decision trees, and champion/challenger testing
- Preferred: Bachelor's degree in STEM
- Preferred: Experience with collections lifecycle strategy across multiple products or portfolios
- Preferred: Familiarity with digital outreach channels such as SMS, email, and AI-driven engagement
- Preferred: Exposure to TCPA, FDCPA, and CFPB regulatory frameworks
- Occasional domestic and international travel
Benefits
Comp & perks- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking benefits and discounts
- Career development
- Reward and recognition
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support for applicants with disabilities