Manager

Job description

**Job Title:** Manager - Collections Digital and Mail Contact Strategy (L09) **Organizational Overview:** Credit Team decisions credit actions across the lifecycle of a customer from acquisition to account management to collections and recover we work towards managing credit and fraud losses and elevating customer experience through powerful and proprietary insights on customer risk and credit behaviors. The actionable insights are driven by access to numerous alternative data sources, new age technologies, focused strategies, emerging algorithms, and predictive precision. Spread across 10 pillars the credit team in India caters to the entire gamut of decision sciences, from data management to model development to strategy design, and bringing it all to life through technology, and managing within the guardrails of our regulatory requirements. As part of the team, you will have access to some unique product propositions, functional and leadership training, interaction with executive leadership team and a myriad of diverse perspectives. **Role Summary/Purpose:** This role will be responsible for developing, delivering, managing and performance monitoring of Collections strategies for Digital and Mail channels. This individual is expected to be intellectually curious and action-oriented, proposing new tests and strategies and then driving the same towards completion. This individual leads these projects from end to end working closely with stakeholders inside and outside the Strategy organization throughout, from initial discussions to toll gating to strategy execution and performance measurement within established rigor. This is an excellent opportunity to work with data, engage with persons of all levels across many organizations, and have a positive impact on customer engagement, loss mitigation and cost reduction. This individual will be part of the Credit Analytics organization in India and within the span of control of the Collections Recovery Strategy Organization within Credit Capital Management. **Key Responsibilities:** - Lead or support strategy development for collections for Digital and Mail channels, includes conducting statistical analyses, developing proposals, and presenting the same, obtaining approvals, partnering with multiple groups to implement changes, and assessing post-implementation execution and performance. - Lead or support strategy development for new federal and state regulatory changes, as required. - Lead or support development of new e-mail and other creatives - Lead or support various updates and other ongoing processes, including but not necessarily limited to, capacity impacts after upcoming or recent strategy changes and inventory management. - Partner with other organizations inside and outside Strategy to ensure strategies are working as designed, in part by leveraging excellent communications and presentation skills - Lead or support cross-functional project teams to address strategy and performance impacts, as required, in part by leveraging your superior organizational skills. - Update strategy sheets for new strategies in compliance with procedures and expected rigor; ensure strategy sheet design and content satisfy the needs of the entire Strategy organization; propose improvements and other changes around the same; must apply diligence to detail. - Ensure strategy documentation is comprehensive, accurate and always current. - Complete regular reviews of strategies and tests with Legal, Compliance, and Fair Lending to ensure strategies comply with applicable laws, regulations, regulatory guidance, and company policies. - Provide support to strategy development, for updates to Collections and Recovery process and procedures and inventory management, documentation related to strategy such as creatives, strategy sheets across Collections and Recovery team as required. - Provide support for frequent exams, audits, and other internal and external reviews. - Participate in ad-hoc projects and analyses, as needed. - Other duties as assigned. **Required Skills/Knowledge:** - Bachelors degree with quantitative underpinning (i. e. , Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) with 2+ years of experience in Programming/Analytics ideally in support of Risk, Credit, Finance, Consumer Lending, or other relevant professional experience; OR in lieu of a degree, 4+ years of experience in Programming/Analytics ideally in support of Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience. - 2+ years experience in SAS, SQL, Excel, Word and PowerPoint - Excellent interpersonal, analytical, organizational and written and verbal communication skills - Ability to make decisions and recommendations based on quantitative analysis and creative thinking - Strong self-starter balanced with desire to achieve team goals - Ability to handle sensitive issues with uncompromising integrity and confidentiality **Desired Skills/Knowledge:** - Prior Collection Strategy Development or Credit Strategy Development/ Risk Management experience and/or prior Collections experience in other functions - 2+ years demonstrated success developing and delivering advanced analytics solutions - Data lake experience and strategies - Masters degree in Business or in a Quantitative Related Field - Proven analytical and decision-making skills - Experience developing scoring models or decision-tree segmentations - Ability to independently manage processes, Self-motivated, and drive continuous process improvement - Strong communications, problem solving skills and attention to detail - Experience presenting to senior leadership teams - Demonstrated ability to apply strategic thinking toward tactical execution - Experience working with cross-functional project teams **Eligibility Criteria:** - Bachelors degree with quantitative underpinning (i. e. , Data Science, Computer Science,