Collection Data Analyst

Pt Dana Pinjaman Inklusif; Daerah Khusus Ibukota Jakarta; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A financial services company located in Jakarta is looking for a professional to optimize post-lending strategies, analyze data to forecast trends, and ensure compliance with relevant regulations. The role involves collaboration across departments and innovation in collection practices to enhance recovery effectiveness. Strong analytical skills and compliance knowledge are essential.

Responsibilities

• Formulate and optimize post-lending strategies for overseas markets.
• Analyze data to improve repayment rates and develop intervention measures.
• Collaborate with departments to implement strategies.
• Ensure compliance with regulatory requirements on collection strategies.

Job description

1. Post-Lending Strategy Optimization

• Responsible for the formulation, implementation, and iterative optimization of end-to-end post-lending strategies for overseas markets. Utilize data analysis to identify key factors impacting repayment rates and design differentiated treatment strategies (e.g., collection intensity, frequency, channels) based on customer segmentation and clustering.
• Establish a comprehensive monitoring indicator and reporting system for asset quality.
• Monitor collection performance across various delinquency stages, conduct in-depth analysis to develop actionable business improvement plans, regularly evaluate strategy effectiveness, and propose iterative optimization plans.

2. Data Analysis

• Employ statistical methods (e.g., Survival Analysis, Attribution Analysis) to forecast delinquency trends, identify high-risk customer segments, and develop preemptive intervention measures.
• Participate in and support the setting of annual/semi-annual business line risk targets, the forecasting and evaluation of recovery rates and net recovery rates, and provide forward-looking risk warnings.

3. Cross-Departmental Collaboration

• Collaborate with Risk Control, Product, and Technology teams to translate strategies into implementable rules or system parameters (e.g., collection queue assignment, automated contact logic).

4. Compliance and Innovation

• Ensure collection strategies comply with regulatory requirements (e.g., Personal Information Protection Law, collection conduct guidelines), balancing compliance with recovery effectiveness.
• Explore innovative approaches (e.g., intelligent voice bots, psychological gamification in collection scripts) to enhance the technological advancement of collection practices.