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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates strong analytical skills with proficiency in SQL for data extraction and analysis, focusing on collections performance and customer treatment strategies. Capable of collaborating with cross-functional teams to drive improvements in arrears management and recovery outcomes.
Highest-signal resume keywords
SQL Data AnalysisCollections Performance MonitoringCredit Risk AnalyticsStakeholder CollaborationOperational Performance Analysis
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 AnalysisPerformance TrackingSegmentation AnalysisCustomer Treatment StrategiesOperational Initiatives
Soft Skills
Attention to DetailProactive MindsetCuriosityOrganizational SkillsClear Communication
Tools & Technologies
LookerBI Reporting Tools
Industry Keywords
CollectionsArrears ManagementRecoveriesFintechConsumer Credit
Tech Stack
Tools & technologiesSQL
About the role
Key responsibilities & impact- Support how Zilch manages customers in arrears, improves recovery outcomes, and balances performance with fair and effective customer treatment
- Use data to identify opportunities and develop practical recommendations across the full collections journey
- Build understanding of early arrears, later-stage collections, external partner activity, and recoveries
- Monitor collections performance, targets, trends, customer outcomes, roll rates, cure rates, liquidation, recoveries, placements, and payment performance
- Use SQL to extract, analyse, and summarise data
- Assist with segmentation and allocation analysis across delinquency stages, customer groups, DCAs, and Debt Purchasers
- Support analysis of DCA and Debt Purchaser placement, performance, and outcomes
- Investigate performance movements, potential drivers, risks, and improvement areas
- Track the impact of strategy changes, operational initiatives, and external partner performance
- Collaborate with Collections, Credit Risk, Operations, Data, and other stakeholders
- Support ad hoc analysis to answer business questions and improve understanding of collections performance
Requirements
What you’ll need- Strong analytical skills and confidence working with data
- Exposure to collections, arrears management, recoveries, or credit risk analytics
- Good SQL skills, with the ability to query, manipulate, and summarise data
- Experience in, or a genuine interest in, Collections, Credit Risk, fintech, lending, or financial services
- Ability to interpret analysis, identify opportunities, and explain findings clearly
- A proactive mindset, with an interest in turning insight into practical strategy proposals and operational actions
- Strong attention to detail, particularly when working with performance data, recurring analysis, and target tracking
- Comfortable working with stakeholders across different teams
- Awareness of fair customer outcomes and regulatory expectations in a collections environment
- Curious, organised, and keen to learn about collections strategy in a fast-moving fintech environment
- Experience with Looker or a similar BI/reporting tool (desirable)
- Understanding of BNPL, consumer credit, lending, or payments (desirable)
- Exposure to segmentation, customer treatment strategies, operational performance analysis, or contact strategy (desirable)
- Experience analysing external partner performance, such as DCAs or Debt Purchasers (desirable)
- Ability to work in the UK; visa sponsorship question asks whether sponsorship is required to work in the UK
- Ability to commute to the London Victoria office and attend three days per week
Benefits
Comp & perks- Pension scheme
- Death in Service scheme
- Income Protection
- Permanent employees enjoy access to our Share Options Scheme
- 5% back on in-app purchases
- £200 for WFH Setup
- Private Medical Insurance
- GP consultations (video, telephone or face-to-face)
- Prescribed medication
- In-patient, day-patient and out-patient care
- Mental health support
- Optical, dental & audiological cover
- Physiotherapy
- Advanced cancer cover
- Menopause support
- Employee Assistance Programme
- Unlimited mental health sessions
- 24/7 remote GP & physiotherapy
- 24/7 helpline for emotional & practical support
- Savings & discounts on everyday shopping
- 1:1 personalised well-being consultations
- Gym membership discounts
- Enhanced maternity pay
- Enhanced paternity pay
- Enhanced adoption pay
- Enhanced shared parental leave
- Professional Qualifications
- Professional Memberships
- Learning Suite for e-courses
- Internal Training Programmes
- FCA & Regulatory training
- Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
- Casual dress code
- Workplace socials
- Healthy snacks
