Credit and Collections Specialist

Description

Job Summary: The Credit and Collections Specialist will strategically manage credit risk, portfolio maintenance, and delinquency reduction. Key Highlights: 1. Strategic management of credit risk and portfolio maintenance. 2. Definition of credit and collections policies and strategies. 3. Data analysis for portfolio optimization and reduction of delinquency. We are seeking a Credit and Collections Specialist to strategically manage credit risk and portfolio maintenance, responsible for defining credit policies, conducting financial analyses, and providing recommendations for portfolio optimization, collection strategy, and delinquency reduction. **Your daily responsibilities:** Conduct analyses of credit origination and customer (individual and corporate) portfolios, considering customers' internal and external credit risks and operational processes that may impact company performance. Support the commercial team in identifying profiles of desirable customers, quality criteria, and guidance for high-quality product offerings. Evaluate the portfolio and define risk-based and collection-phase-specific strategies. Define credit and collections policies and strategies (continuous testing of challenging policies). Set recovery targets by product and collection phase (internal and external). Generate daily mailings for operational teams to act upon. Produce analyses of credit and collections portfolio performance. Generate reports to support planning activities (monitoring daily operational targets and results). Develop and/or monitor credit and collections models. **Requirements:** Practical experience in data analysis and data manipulation (Python / SQL). Experience in establishing controls and creating credit and collections indicators / KPIs (Excel and Power BI). Knowledge of collections practices in collection agencies, banks, or finance companies. Knowledge of credit (origination and portfolio maintenance). Education: Bachelor's degree in quantitative fields: Statistics, Computer Science, Mathematics, Engineering, Physics, or related disciplines.