Debt Collection Analyst

Mellenu Holding; Gauteng; On-site; ZAR 376,000 - 627,000; Full time

Benefits offered by this job

HMO for checkups

Competitive salary

Job summary

Mellenu Holding, via SPRING LOANS in South Africa, seeks a Debt Collection Analyst to join the team. The role focuses on data-driven reporting, performance analysis, and strategic collections optimization across digital and contact-center channels.

You will work with Finance, Risk, and Product to translate data into actionable initiatives, drive process improvements, and monitor key results against budgets and targets.

Qualifications

• Strong analytical and quantitative skills with ability to convert data into actionable insights.
• Experience applying statistical methods to business problems and decision making.
• Solid understanding of data analysis best practices and data governance.

Responsibilities

• Prepare and deliver periodic and ad hoc reports to support Collections and senior management.
• Develop analyses, business cases, and presentations for senior leadership.
• Analyze portfolio performance and customer behavior to optimize collections strategies.
• Monitor KPIs and identify drivers behind performance and risk trends.
• Collaborate with Finance, Data & Analytics, Product, Risk, and other stakeholders on strategic initiatives.
• Support in implementing end-to-end collections initiatives across channels.

Skills

Analytical thinking

Problem solving

Stakeholder communication

Education

Economics and Mathematics

Computer Science

Tools

SQL

Statistics

Excel

BI Tools

A/B Testing

Job description

Mellenu Holding is one of Europe’s largest digital consumer lending companies. Leveraging a high degree of automation and data-driven insights across the business, Mellenu’s retail brands have issued over €11 billion since inception in single payment loans, instalment loans and minimum-to-pay loans.

In South Africa, Mellenu Holding is represented by SPRING LOANS, and we are currently looking for a Debt Collection Analyst to join the team!

Your daily tasks will be:

• Prepare daily, weekly, monthly, annual, and other periodic reports, as well as ad hoc reports as requested
• Perform ad hoc reporting and provide analytical support to the Collections and senior management teams
• Develop analyses, business cases, and presentations for senior management
• Analyze current business performance and provide actionable recommendations for improvement
• Deliver accurate reporting and performance analyses against historical data, budgets, and targets to support business decision-making
• Develop, implement, and continuously optimize end-to-end collections strategies across different customer segments and delinquency buckets
• Analyze portfolio performance, customer behavior, roll rates, recovery trends, and channel effectiveness to identify opportunities for collections strategy optimization
• Develop and monitor collections strategies across various channels, including digital, call center, field, legal, and external agencies
• Develop and optimize debit-check strategies, including customer segmentation, eligibility rules, activation and payment strategies, retry logic, timing, and communication approaches to maximize successful collections
• Analyze debit-check performance and customer payment behavior, translating insights into actionable strategy improvements
• Develop and monitor collections KPIs (e.g., Recovery Rate, PTP, Kept PTP, Gross Efficiency, Roll Rates, and Flow Rates) and identify key performance drivers
• Support Collections Management, Legal, and Finance teams through data-driven analyses and recommendations
• Assist in the development and implementation of strategic and operational projects within the Collections function
• Propose and implement initiatives to improve the company’s financial and other key performance indicators
• Work closely with Collections, Product, Risk, Finance, Data & Analytics, and other stakeholders to design and implement collections initiatives
• Monitor the impact of implemented strategies and drive continuous improvement based on data, portfolio performance, and customer behavior

What we expect from you:

Education:

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

Experience working in:

• E-commerce, marketing
• Consulting (BIG3, BIG4)

Required technical skills:

• 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

Beneficial technical abilities:

• 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.

Other skills:

• Analytical Thinking: Strong problem-solving and critical thinking skills

We are offering:

• 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 3000 EUR, based on experience, education, and competencies
• HMO for checkups and other medical related concerns

Employment type: Permanent

Please note that only candidates whose qualifications and experience meet our requirements will be considered for further stages of the recruitment process. We will contact only those candidates who have been shortlisted.

Mellenu Holding companies* (“Mellenu”) process your personal data for the purpose of managing the recruitment process and assessing your suitability for the position. The legal basis for processing is Mellenu's legitimate interest in selecting and hiring suitable candidates.

We process the information you provide in your application, such as your contact details, education, work experience, skills, and qualifications.

Depending on the position, your data may be shared within Mellenu Holding companies. Where personal data is transferred outside the European Economic Area, appropriate safeguards will be applied in accordance with applicable data protection laws.

Your personal data will be retained for 3 months after the recruitment process is completed.

You have the right to request access to, rectification or erasure of your personal data, restriction of processing, and to object to processing based on legitimate interests.

For questions about the processing of your personal data or to exercise your rights, please contact our Data Protection Officer [e-mail].

*Mellenu Holding companies: SIA "Credit Solutions", MELKAZ LLP, SPRING LOANS (Pty) Ltd.