Collections Strategy Analyst

🛡️ Collections Strategy Analyst 

🌍 Hybrid 

📂 Collections, Operations

🕒 Full Time

💷 £40,000 - £45,000

Who we are

Jaja is a UK‑based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design. We launched our digital credit card in 2018 and we’re continuing to grow, with new products and experiences in the pipeline. Our goal is to strip out unnecessary complexity and give people more control over their money — or as we put it, Make Simple. Our values guide how we work: Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple. We’re scaling quickly, and there’s a lot of exciting change happening across the business.

Do you enjoy digging into data, uncovering insights, and finding smarter ways to support customers through challenging financial situations? Are you naturally curious, analytical, and motivated by using data to drive better outcomes? If you're looking for an opportunity to shape collections strategies in a growing fintech, keep reading.

We're looking for a curious, data-driven analyst to join our Collections & Recoveries team. Working closely with the Collections Strategy Manager, you'll help design, test and monitor the strategies that determine how we support credit card customers in financial difficulty — from early delinquency through to charge-off and post-charge-off recoveries. This is a hands-on role: you'll spend a lot of your time in SQL and Python, building analysis pipelines, running champion/challenger tests and turning data into clear, actionable insight. Credit card experience is preferred, but it's not essential.

What you'll do 

Strategy analysis & optimisation 

Support the design and ongoing optimisation of collections strategies across all delinquency stages (pre-delinquency, 1–30, 31–60, 61–90+, charge-off and post charge-off). Analyse segmentation, treatment paths and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations. 

Test & learn programme 

Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options and strategy rules. Define success metrics, size tests correctly and produce statistically robust evaluation packs that drive confident decisions. 

Data & MI 

Build and maintain repeatable analysis pipelines, define consistent metric definitions and produce regular MI and performance packs covering key KPIs: roll rates, cure rates, promise-to-pay kept, contact and response rates, net loss and recoveries. 

Portfolio monitoring & deep dives 

Conduct regular portfolio monitoring and analytical deep dives — segmentation, vintage/cohort analysis, behavioural score performance and payment hierarchy effects — and present findings clearly, with prioritised recommendations for the Collections Strategy Manager. 

Delivery support 

Support the end-to-end delivery of strategy changes: help document decision logic and user stories, assist with UAT, support go-live monitoring and contribute to governance and audit requirements. Work with Operations, Credit Risk, Product and Data teams day-to-day. 

What we're looking for 

Data skills 

knowledge data extraction, transformation and analysis. Comfortable with joins, window functions, cohorting and building repeatable pipelines. 

Collections experience 

Experience in consumer finance collections and recoveries, ideally including credit card. Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability. 

Analytical mindset 

Able to work with large, complex datasets and translate findings into clear insight. Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly. 

Communication 

Can present complex analysis clearly and concisely to a range of audiences. Writes well, structures arguments logically and is comfortable producing performance packs and strategy documentation. 

Pace & delivery 

Comfortable working at pace in an agile, fast-changing environment. Can manage multiple workstreams simultaneously without losing attention to detail, and takes tasks through to completion. 

Collaboration 

Pragmatic team player who enjoys working cross-functionally. Can build good working relationships with Operations, Risk, Product and tech colleagues and asks good questions.

 

Nice to have 

• Experience working in a fintech or digitally-led lender with in-house decisioning and fast release cycles. 

• Exposure to experimentation frameworks or formal A/B testing 

 

Plan Your Commute

We’re based at 47–51 Great Suffolk Street, SE1 0BS, just a short walk from Southwark (2 mins), Waterloo (10 mins), and London Bridge (10 mins).

What's in it for you?  

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever   
• Competitive salary   
• Pension contributions, including Salary Exchange facility 
• Annual bonus potential
• Private medical cover provided by Vitality (optional benefit)
• 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days). 
• Your birthday off each year as an additional day's holiday
• 4x life insurance cover 
• Access to our confidential Employee assistance programme