Job Description
Job Description
Title: Analytics Manager, Collections
Reports to: Director, Operations Analytics
Location: Miami, FL (Hybrid) / US Remote
About the Company
At BMG Money, our mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses. We all share one vision— Redefining lending through technology, where underserved individuals can thrive financially through forward-thinking, responsible, and innovative financial solutions.
Job Summary
We are seeking a hands-on, results-oriented Collections Analytics Manager to deliver high-impact insights that shape our collections strategies and performance. This individual contributor role sits at the center of our Collections function, applying advanced analytics to understand customer risk, payment intent, and channel response so we can optimize how we engage customers and improve recoveries across the full credit spectrum.
The ideal candidate pairs strong technical skills with structured thinking and clear storytelling, turning complex data into a compelling narrative that informs decisions and drives measurable results.
Key Responsibilities
- Develop and maintain risk-based segmentation and severity models to inform treatment paths across delinquency stages.
- Build and refine intent-to-pay and willingness-to-pay models, including hardship-program candidate scoring.
- Partner with data engineering to ensure segmentation logic is robust and production-ready.
- Measure and forecast response rates by contact channel (SMS, email, IVR, live agent, etc.).
- Provide guidance on optimal contact strategies and champion data-driven tests to improve engagement.
- Analyze delinquency, roll, and recovery trends; identify operational drivers behind performance changes.
- Evaluate effectiveness of programs (payment plans, settlements, hardship) on customer cure and roll-back rates.
- Provide agent-level performance intelligence, linking behaviors to outcomes.
- Build dashboards and scorecards that track KPIs across early-, mid-, and late-stage collections.
- Synthesize data into clear insights, crafting structured narratives that help leaders understand "what's happening, why, and what to do next."
- Present findings in concise, business-focused terms that inspire action.
- Produce volume and recovery forecasts, stress-test scenarios, and recommend course corrections to improve efficiency and results.
- Support post charge-off modeling to estimate payment potential.
- Work with leaders in Collections, Risk, Compliance, and Product to frame problems, scope analyses, and implement findings.
- Serve as a trusted thought partner who can bridge analytics and operational strategy.
Qualifications
- 5+ years of experience in analytics, strategy, or quantitative operations roles; experience in collections or credit risk strongly preferred (full credit spectrum).
- Proficiency in SQL and Python (or R) for data querying, modeling, and statistical analysis.
- Advanced skills with BI tools (Tableau, Power BI, Looker) for reporting and visualization.
- Demonstrated ability to organize complex information, apply structured problem-solving, and communicate insights through clear, persuasive stories.
- Solid understanding of delinquency, roll rates, recoveries, and operational levers that influence collections outcomes.
- Strong critical thinking and written/oral communication skills.
- Comfortable managing multiple priorities independently in a fast-paced environment.