Collection Analytics Lead

dana indonesia; Indonesia; On-site; IDR 80,000,000 - 120,000,000; Full time

Job summary

DANA is seeking a senior analytics professional to own the collection and recovery strategy across its lending products in Indonesia. You will optimize cost-to-collect, manage partner playbooks, and ensure compliance with UU PDP and conduct rules.

Responsibilities include leading analytics on roll rates, vintages, and recovery rates, while aligning collection targets with product economics and risk policy. This role collaborates with Risk Analytics & Portfolio and Legal & Compliance.

Qualifications

• 6–8+ years in collection strategy or analytics in consumer lending or digital banking.
• Strong SQL proficiency; Python or R for analytics; dashboarding experience.
• Experience managing third-party collection agencies with SLAs and costs.
• Knowledge of Indonesian collection conduct rules and UU PDP data privacy.

Responsibilities

• Own end-to-end delinquency treatment across DANA lending products.
• Front-load strategy based on first-payment behaviour and pre-due treatment.
• Segment treatments by borrower type, score bands, product, tenor, and channel.
• Lead collection analytics on roll rates, 30/90/write-off, cure, and vintage losses.
• Maintain reporting cadences and dashboards across daily, weekly, monthly.
• Set partner SLAs, recovery targets, and cost caps per partner and product.
• Ensure regulatory compliance and data privacy across the collection chain.
• Escalate underperformance with evidence and remediation plans.

Skills

Collection analytics

SQL

Python or R

Dashboarding

SLA governance

Third-party collection management

Indonesian regulation knowledge

Tools

SQL

Python

R

Tableau

Job description

Own the collection and recovery strategy that DANA sets and its lending partners execute across DANA Lending Products – optimizing recovery and cost-to-collect together, while keeping collection quality and conduct compliant.

You’ll be working on:

• Collection & recovery strategy – own end-to-end delinquency treatment across DANA Lending Products: segmentation, contact intensity, channel mix (digital reminder → desk → field/agency), timing, and settlement or restructuring offer design.
• Front-load the strategy to the products’ mechanics – first-payment behaviour (FPD1/3/5/15) is the primary lever; build pre-due and early-bucket treatment accordingly rather than optimising late buckets.
• Segment treatment on the axes that carry the loss – new versus repeat borrower, A-Score band, product, tenor, and acquisition channel; run champion/challenger tests and retire treatment paths that do not pay for themselves.
• Collection analytics – own roll rates, flow into 30/90/write-off, bucket movement, cure and recovery rates, promise-to-pay kept rate, right-party contact and contact-to-resolution efficiency, and vintage loss curves; maintain the daily, weekly, and monthly reporting cadence and dashboards.
• Harmonize collection metric definitions across all lending partners, so recovery and cost performance are comparable and targets are enforceable. Build collection reporting on the team’s existing data pipelines – never alongside them.
• Collection cost management – own cost-to-collect economics: cost per account contacted, cost per Rupiah recovered, agency commission and channel fee structures, and the marginal-recovery versus marginal-cost break-even per bucket and segment. Anchor recovery targets to product economics so collection spend is justified against the margin it protects.
• Partner collection governance – act as DANA’s analytical counterpart to each partner’s collection team: translate agreed strategy into partner-executable playbooks and evidence whether they are implemented. Propose and monitor collection SLAs, recovery-rate targets, and cost caps per partner and product (commercial terms are approved by the Risk Analytics & Portfolio Manager and Credit Risk Policy).
• Set the minimum standards partners’ in-house desk teams and third‑party agencies must meet – conduct, script, contact hours, escalation, data handling – and verify compliance through partner reporting and sampling. DANA sets and verifies the standard; the partner employs the collectors.
• Escalate sustained partner underperformance to the Risk Analytics & Portfolio Manager with the evidence and a proposed remedy; contribute the collection view to new‑partner onboarding and to partner exit or run‑off planning.
• Compliance & customer conduct – ensure collection practice across the partner portfolio complies with applicable Indonesian regulation and industry conduct rules on collection behaviour, contact hours, third‑party disclosure, and prohibited practices, including for agencies engaged by partners.
• Ensure personal‑data handling in the DANA > partner > agency chain meets UU PDP and DANA’s data‑privacy requirements; monitor collection complaints, disputes, and escalations as a leading indicator of practice quality rather than as isolated incidents.
• Governance & reporting – prepare collection performance and recovery outlook for management, RMC, and BoD/BoC forums; feed delinquency and recovery trends into credit policy, risk appetite, and portfolio governance so collection evidence changes underwriting, not just describes outcomes.
• Cross‑functional – partner with Credit Risk Policy (appetite and limits), Risk Analytics & Portfolio (data and scorecards), Credit Risk Product & Systems (collection‑relevant system and decisioning capability), Legal & Compliance, and Customer Care.

Qualifications:

• 6–8+ years in collection strategy, collection analytics, or portfolio/credit risk analytics in consumer lending, multifinance, P2P/PVML, paylater, or digital banking, including experience leading a strategy or analytics agenda.
• Strong hands‑on analytics – SQL essential; Python or R preferred; dashboarding (Tableau or equivalent). Comfortable working from loan‑level and payment‑level data rather than pre‑built reports.
• Demonstrated command of collection and credit metrics – roll rates, flow rates, vintage loss curves, FPD, DPD aging, cure and recovery rates – and the judgment to distinguish a real trend from a denominator or thin‑cohort artefact.
• Experience governing third‑party collection agencies or partner‑run collection operations, including SLA, commission, and cost structures.
• Working knowledge of Indonesian collection conduct regulation and personal‑data protection obligations (UU PDP) as they apply to the collection chain.
• Able to hold partners to evidence in a working forum, and to build the analytical case that supports escalation.