Аналитик данных (Debt collection analyst)

Your daily tasks will be:

• • Prepare daily, weekly, monthly, annual, and other periodic reports, as well as ad hoc reports upon request
  • Perform ad hoc reporting and provide analytical support to the Collections and senior management teams
  • Develop analyses, business cases, and presentations for senior management
  • Analyze current business performance and provide actionable recommendations for improvement
  • Deliver accurate reporting and performance analysis against historical data, budget, and targets to support business decision-making
  • Develop, implement, and continuously optimize end-to-end collection strategies across different customer segments and delinquency buckets
  • Analyze portfolio performance, customer behavior, roll rates, recovery trends, and channel effectiveness to identify opportunities for collection strategy optimization
  • Develop and monitor collection strategies across different channels, including digital, call center, field, legal, and external agencies
  • Develop and optimize Debit-check strategies, including customer segmentation, eligibility rules, activation and payment strategies, retry logic, timing, and communication approaches to maximize successful collections
  • Analyze Debit-check performance and customer payment behavior and translate insights into actionable strategy improvements
  • Develop and monitor collection KPIs (e.g., Recovery Rate, PTP, Kept PTP, Gross Efficiency, Roll Rates, Flow Rates, etc.) and identify key drivers of performance
  • Support DC management, legal, and financial management matters through data-driven analysis and recommendations
  • Assist in the development and implementation of strategic and operational projects within the Collections area
  • Propose and implement actions to improve the company’s financial and other key performance indicators
  • Work closely with Collections, Product, Risk, Finance, Data/Analytics, and other stakeholders to design and implement collection initiatives
  • Monitor the impact of implemented strategies and ensure continuous improvement based on data, portfolio performance, and customer behavior

What we expect from you:

Education:

• Economics and Mathematics (Economic theory, applied mathematics, finance, and mathematical statistics)
• Computer Science (Data analysis, databases, programming, and information technology)

Experience working in:

• Financial services, lending businesses, banks, cryptocurrencies, credits
• E-commerce, marketing
• Consulting (BIG3, BIG4)

Required technical skills:

• SQL: Proficient in any dialect (MySQL, PostgreSQL, MS SQL). Experienced with CTEs, window functions, complex queries, and stored procedures
• Mathematical Statistics: Knowledge of various distributions, correlation analysis, regression models, and hypothesis testing
• Excel (Advanced Level): Skilled in data sorting, filtering, pivot tables, VLOOKUP, SUMIF/SUMIFS, and chart creation
• BI Tools: Power BI preferred, but experience with other tools such as Tableau, Grafana, Looker, QlikView, or Apache Superset is also acceptable
• A/B Testing: Understanding of split testing principles, test planning, and logging

Beneficial technical abilities:

• Python: Data analysis using libraries such as Pandas, NumPy, SciPy, Statsmodels, Seaborn, Matplotlib, etc.
• ETL Processes: Experience with tools like Airflow, Pentaho, and others
• IT Understanding: Knowledge of client-server architecture, APIs, back-end and front-end concepts, parsing, algorithms, and data structures
• Project Management: Familiar with Agile methodologies (e.g., sprints), as well as Waterfall
• Project Management Tools: Experience with Jira, Asana, ActiveCollab, ClickUp, Notion, etc.

Other skills:

• Languages: Fluent English required;
• Analytical Thinking: Strong problem-solving and critical thinking skills. Familiarity with cognitive biases and logical fallacies is considered an asset
• Willing to relocate to South Africa is a must

We are offering:

• An opportunity to work in an international company within a dynamic, competitive, and fast-paced industry
• Involvement in challenging projects where your contributions will have a tangible impact
• A supportive and collaborative team environment with great colleagues
• A competitive salary of KZT 1 400 000 - 1 685 000 GROSS, based on experience, education, and competencies