Director, Collections Strategy & Analytics

Your Role in Our Mission At Proper, we are committed to advancing financial well-being through smarter, technology-driven financial solutions. We are seeking an exceptional leader to head our Analytics function within the Collections & Recoveries organization. As the Director, Collections Strategy & Analytics, you will serve as a strategic leader responsible for optimizing portfolio credit performance across our Personal Loans and Credit Card business lines. Reporting directly to the VP of Collections & Recoveries, you will lead and empower high-performing analytics teams to design, test, and deploy data-driven strategies across the entire credit lifecycle. Leveraging modern data stacks, machine learning, and advanced behavioral segmentation, you will drive collection effectiveness, elevate operational efficiency, and deliver a best-in-class customer experience.

Advanced Analytics, AI/ML & Loss Forecasting Lead AI/ML & BI Capabilities: Direct the team in leveraging modern Business Intelligence tools, advanced analytics, and machine learning techniques to drive actionable insights. Own Loss Forecasting: Oversee the development, validation, and maintenance of loss forecasting models. Continuously benchmark and refine forecasting methodologies against industry best practices to maximize accuracy. Experimental Design & Optimization: Champion a rigorous testing culture by designing, executing, and evaluating A/B and multivariate strategy experiments. Portfolio Analytics: Monitor portfolio performance at a deep segment level to identify emerging risk trends, perform root-cause analysis, and isolate core performance drivers. KPI Governance: Establish robust Key Performance Indicators (KPIs) and operational dashboards to measure strategic efficiency and financial returns. Strategic Leadership & Innovation Drive End-to-End Strategy: Architect, deploy, and refine integrated customer contact and treatment strategies for both early-stage collections and late-stage recoveries. Foster Out-of-the-Box Problem Solving: Bring innovative approaches to borrower engagement, digital outreach, and treatment optimization that balance recovery performance with customer empathy. Executive & Stakeholder Communication: Synthesize complex analytical findings into clear strategic narratives. Regularly present portfolio health, strategy performance, and key metrics to executive leadership and key external partners. Cross-Functional Synergy: Partner with Credit Risk, Marketing, Product, Engineering, and Operations to seamlessly deploy strategies.

Education: Master’s degree in Statistics, Economics, Mathematics, Engineering, Data Science, Business, or a related quantitative field. Experience: 10+ years of progressive experience leading advanced analytics and modeling teams in financial services, with direct expertise in consumer lending collections or credit risk management. Leadership: Proven track record of building high-performing analytical teams, as well as influencing cross-functional stakeholders. Excellent communication and organizational skills. Technical & Analytical Expertise: Deep expertise in statistical modeling, segmentation, loss forecasting, and modern analytics workflows. Hands-on fluency with tools such as SQL, Python/R, and BI/visualization platforms (e.g., Tableau, PowerBI, Looker). Agility & Drive: Exceptional ability to synthesize complex data, prioritize high-impact initiatives, and operate with a strong sense of urgency in a fast-paced environment. Preferred Experience: Hands-on experience building or deploying predictive machine learning models (e.g., propensity to pay, roll-rate models, channel response models).

A hybrid connection: We believe in the "best of both worlds" - a hybrid environment (2 days/week in our SF office) that balances high-touch collaboration with the flexibility of remote work Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace