Upgrade Inc.
Senior Collections Strategy Analyst
United States (Remote) · Senior
Sponsorship not specifiedDetected 28 days ago
PythonSQLData VisualizationStatisticsExcelCadenceLeadershipCommunicationProblem SolvingPublic Speaking
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odds of building a lasting career here
40Risky
Cap-exempt (no lottery)0
Sponsors this role90
Entry-level history0
PERM / green-card track0
Lottery odds40
Fits your clock70
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About the role
- Upgrade is a fintech company focused on providing affordable and responsible credit to everyday consumers.
- The Collections team plays a critical role in that mission by protecting portfolio performance while ensuring borrowers are treated fairly throughout the recovery process.
Responsibilities
- Build a holistic analytics framework for the overall recovery program, spanning debt sale, third-party agency outsourcing, and DSC settlements.
- Design, test, and maintain dialer strategy for pre-charge-off delinquent accounts, including contact cadence, prioritization logic, and channel sequencing.
- Build and maintain a quarterly business review (QBR) deck for our third-party collection agencies, establishing the KPIs and reporting cadence needed to monitor agency performance.
- Own and evolve our digital communication strategy across email, SMS, and AI voice agent channels, balancing performance with borrower experience and compliance.
- Build analytics to evaluate hardship program design and performance, identifying opportunities to improve borrower outcomes and recidivism rates.
- Perform ad hoc portfolio analytics to answer emerging questions from Collections leadership and cross-functional partners.
- Partner cross-functionally with Risk, Compliance, Legal, Operations and Product to translate analysis into implemented strategy.
- With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future.
- Come join us and help build a better financial future for millions of people.
Requirements
- 3-5+ years of experience in a quantitative, analytics, or strategy role, ideally within collections, credit risk, or recovery operations at a financial services or fintech company.
- BA/BS degree in a quantitative field (Mathematics, Statistics, Engineering, Economics, or related) or equivalent practical experience.
Nice to have
- Experience with dialer platforms or digital engagement platforms.
- Familiarity with fair lending, FDCPA, or other collections-related regulatory considerations.
- Working knowledge of Python or R for analysis or automation.
- Experience partnering directly with third-party vendors or agencies on performance management.
- Competitive 401(k)
- Opportunities for professional growth and development&nbs
- Direct experience with collections operations such as dialer strategy, agency management, debt sale, DSC/settlement programs, or hardship programs strongly preferred.
- Experience building dashboards and reporting in Tableau (or a comparable BI tool), plus advanced proficiency in Excel and/or Google Sheets.
Compensation
- Competitive salary and stock option plan
Benefits
- Competitive salary and stock option plan
- Medical, dental and vision insurance with employer paid options
Company info
- Upgrade helps customers move in the right direction with affordable and responsible financial products.
- Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit.
- We're looking for new team members who get excited about designing and delivering new and better products.
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This listing is sourced directly from Upgrade Inc.'s careers page and normalized into a canonical job model.