Collections Strategy Analyst

Who we are: We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay. We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers. Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us? About the Role. This is a great opportunity to join Zilch’s Risk team in a role that helps shape an important part of the customer lifecycle. As Collections Strategy Analyst, you will support how Zilch manages customers in arrears, improves recovery outcomes, and balances performance with fair and effective customer treatment. Reporting to the Senior Manager, Collections Strategy, this role will be focused on using data to find opportunities, develop practical recommendations, and help deliver improvements across the full collections journey. You’ll work across early arrears, later-stage collections, external partner activity, and recoveries, building a strong understanding of what drives performance and where we can improve. While performance monitoring and analysis will be an important foundation of the role, the real opportunity is to turn insight into action. You’ll be encouraged to identify areas of opportunity, shape proposals, support execution, and contribute to the strategic thinking behind how we continue to improve collections performance. This role would suit someone with strong analytical skills, good SQL capability, and experience in Collections and/or consumer lending. The successful candidate will be proactive, commercially curious, and motivated by using data to influence decisions, improve outcomes, and help build a strong collections strategy in a fast-growing fintech. Key Responsibilities. Build an understanding of Zilch’s end-to-end collections lifecycle, including early arrears, later-stage collections, external partner activity, and recoveries. Use data and insight to identify opportunities to improve collections strategy, customer treatment, segmentation, allocation, and recovery outcomes. Develop practical recommendations and proposals, with guidance, to support improvements across the collections lifecycle. Monitor collections performance, including targets, trends, customer outcomes, and key metrics such as roll rates, cure rates, liquidation, recoveries, placements, and payment performance. Use SQL to extract, analyse, and summarise data to support collections insight, strategy development, and decision-making. Assist with segmentation and allocation analysis across delinquency stages, customer groups, DCAs, and Debt Purchasers. Support analysis of DCA and Debt Purchaser placement, performance, and outcomes. Help investigate performance movements, identifying potential drivers, risks, and areas for improvement. Track the impact of strategy changes, operational initiatives, and external partner performance. Work with Collections, Credit Risk, Operations, Data, and other stakeholders to turn analysis into practical proposals and next steps. Support ad hoc analysis to answer business questions and improve understanding of collections performance. What We’re Looking For. Strong analytical skills and confidence working with data. Exposure to collections, arrears management, recoveries, or credit risk analytics. Good SQL skills, with the ability to query, manipulate, and summarise data. Experience in, or a genuine interest in, Collections, Credit Risk, fintech, lending, or financial services. Ability to interpret analysis, identify opportunities, and explain findings clearly. A proactive mindset, with an interest in turning insight into practical strategy proposals and operational actions. Strong attention to detail, particularly when working with performance data, recurring analysis, and target tracking. Comfortable working with stakeholders across different teams. Awareness of fair customer outcomes and regulatory expectations in a collections environment. Curious, organised, and keen to learn about collections strategy in a fast-moving fintech environment. Desirable Experience. Experience with Looker or a similar BI/reporting tool. Understanding of BNPL, consumer credit, lending, or payments. Exposure to segmentation, customer treatment strategies, operational performance analysis, or contact strategy. Experience analysing external partner performance, such as DCAs or Debt Purchasers, would be beneficial but is not essential. Benefits. Compensation & Savings: Pension scheme. Death in Service scheme. Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup. Health & Wellbeing: Private Medical Insurance including; GP consultations (video, telephone or face-to-face). Prescribed medication. In-patient, day-patient and out-patient care. Mental health support. Optical, dental & audiological cover. Physiotherapy. Advanced cancer cover. Menopause support. Employee Assistance Programme including: Unlimited mental health sessions. 24/7 remote GP & physiotherapy. 24/7 helpline for emotional & practical support. Savings & discounts on everyday shopping. 1:1 personalised well-being consultations. Gym membership discounts. Family Friendly Policies: Enhanced maternity pay. Enhanced paternity pay. Enhanced adoption pay. Enhanced shared parental leave. Learning & Development: Professional Qualifications. Professional Memberships. Learning Suite for e-courses. Internal Training Programmes. FCA & Regulatory training. Workplace Perks: Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday Casual dress code. 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