Analista de Estrategia

This is a fully remote position, open to applicants in Chile.

📋 Description

• Design and manage differentiated collection strategies based on delinquency stages (early, mid, late) and customer segments, adapting to deviations and adopting industry best practices.

• Implement and assess technological tools to support collections (dialers, contact bots, management platforms), ensuring their proper operation and continuously evaluating their effectiveness.

• Analyze the performance and deviations of external collection agencies using KPIs and control dashboards, providing key information to ensure compliance with service level agreements (SLAs) and Tenpo's quality standards.

• Continuously monitor and optimize collection expenses and recovery rates, directly contributing to the improvement of the P&L through proposals for operational efficiency.

• Analyze collection results by segment, channel, and delinquency stage, identifying deviations and proposing strategic adjustments based on quantitative evidence.

• Develop and maintain dashboards and periodic performance reports on collections, ensuring timely visibility for management and business areas.

• Collaborate with Credit Risk, Product, and Operations teams to ensure that collection strategies align with credit policies and customer experience.

⛳️ Requirements

• Hold a degree in Commercial Engineering, Industrial Civil Engineering, Statistics, Economics, or related fields.

• Mandatory Requirement: Proficient in SQL for extracting and analyzing delinquent portfolio data.

• Advanced Excel skills (collection tracking models, pivot tables, simulations).

• Knowledge of the end-to-end collection process (extrajudicial, prejudicial, judicial).

• Experience in managing or evaluating external collection providers.

• Strong understanding of portfolio metrics: NPL, roll rates, vintage analysis, and recovery rates.

• Desirable: Python for automating portfolio analysis (pandas, data visualization).

• Experience with collection platforms (CyberFinancial, Flexcube, Salesforce Financial Services).

• Proficiency in Power BI or Tableau for building collection dashboards.

• Understanding of CMF regulations applicable to collections and financial consumer protection.

• REQUIRED EXPERIENCE: Business acumen: Understands the direct impact that collection efficiency has on the neobank's P&L, portfolio quality, and sustainability of Tenpo's credit model.

• Previous milestones and experiences required: Designing or implementing segmented collection strategies in financial institutions or fintechs.

• Experience analyzing delinquent portfolios with roll rate, vintage, or recovery indicators.

• Bonus points: Implementation of management tools or automation of collection processes aimed at improving results.

• Minimum years of experience: Between 2 and 4 years in collections, credit risk, or financial strategy areas within financial institutions or fintechs.

🏝️ Benefits

• Annual budget for self-managed training.

• Telecommuting options.

• Day off on your birthday.

• Half-day off for children's or parents' birthdays.

• Short Fridays (every Friday ends at 2 PM).

• Work from anywhere (Just remember to have a good internet connection!).