Debt Collection Analyst

Debt Collection Analyst

4finance Group is one of Europe's largest digital consumer lenders. For more than 15 years we have been providing fast and convenient financial solutions in a digital world. Leveraging automation and data driven insights, 4finance delivers convenient products responsibly. We offer various loan types designed to meet customers' needs and operate with an entrepreneurial mindset, excellence, and simplicity. Driven by leading edge technology and our talented people, we create a supportive, rewarding, and empowering environment where employees can grow.

We love what we do! Join our team! We are looking for a Debt Collection Analyst in our Cape Town office.

Location: South Africa

• Prepare daily, weekly, monthly, annual, and other periodic reports, as well as ad hoc reports upon request
• Perform ad hoc reporting and provide analytical support as needed
• Develop analyses and presentations for senior management
• Analyze current business performance and provide recommendations for improvement
• Deliver accurate reporting and performance analysis against historical data and budget to support decision making
• Support DC management, legal, and financial management matters
• Assist in the development and implementation of various projects within the collections area
• Propose necessary actions to improve the company's financial and other key performance indicators
• Develop and monitor collection KPIs (e.g., Recovery Rate, PTP, Kept PTP, Gross Efficiency, etc.)

• Economics and Mathematics (Economic theory, applied mathematics, finance, and mathematical statistics)
• Computer Science (Data analysis, databases, programming, and information technology)

• Financial services, lending businesses, banks, cryptocurrencies, credits
• E commerce, marketing
• Consulting (BIG3, BIG4)

• SQL: Proficient in any dialect (MySQL, PostgreSQL, MS SQL). Experienced with CTEs, window functions, complex queries, and stored procedures
• Mathematical Statistics: Knowledge of various distributions, correlation analysis, regression models, and hypothesis testing
• Excel (Advanced Level): Skilled in data sorting, filtering, pivot tables, VLOOKUP, SUMIF/SUMIFS, and chart creation
• BI Tools: Power BI preferred, but experience with other tools such as Tableau, Grafana, Looker, QlikView, or Apache Superset is also acceptable
• A/B Testing: Understanding of split testing principles, test planning, and logging

• Python: Data analysis using libraries such as Pandas, NumPy, SciPy, Statsmodels, Seaborn, Matplotlib, etc.
• ETL Processes: Experience with tools like Airflow, Pentaho, and others
• IT Understanding: Knowledge of client server architecture, APIs, back end and front end concepts, parsing, algorithms, and data structures
• Project Management: Familiar with Agile methodologies (e.g., sprints), as well as Waterfall
• Project Management Tools: Experience with Jira, Asana, ActiveCollab, ClickUp, Notion, etc.

• Languages: Fluent English required
• Analytical Thinking: Strong problem solving and critical thinking skills.

• An opportunity to work in an international company within a dynamic, competitive, and fast paced industry
• Involvement in challenging projects where your contributions will have a tangible impact
• A supportive and collaborative team environment with great colleagues
• A competitive monthly gross salary starting from €3,000, based on experience, education, and competencies
• Group life insurance
• HMO for checkups and other medical related concerns

Employment type: Permanent