Analista de Estrategia, Cobranza

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

📋 Description

• Design and manage differentiated collection strategies based on delinquency stages (early, medium, late) and customer segments, making adjustments in response to deviations and adopting industry best practices.

• Implement and assess technological tools to support collection efforts (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 ratios, directly contributing to improvements in P&L through operational efficiency proposals.

• 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 for collections, ensuring timely visibility for management and business areas.

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

⛳️ Requirements

• Bachelor's degree in Commercial Engineering, Industrial Engineering, Statistics, Economics, or related fields.

• Proficiency in SQL for data extraction and analysis of delinquent portfolios.

• 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.

• Proficiency in Python for automating portfolio analysis (pandas, data visualization).

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

• Familiarity with Power BI or Tableau for building collection dashboards.

• Knowledge of CMF regulations applicable to collection and financial consumer protection.

• Minimum of 2 to 4 years of experience in collection, credit risk, or financial strategy roles within financial institutions or fintechs.

🏝️ Benefits

• Annual budget for self-managed training.

• Remote work options.

• Day off on your birthday.

• Half day off for the birthday of your children/parents.

• Short Fridays (every Friday we finish at 2 PM).

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