Collection Analyst - Remote

Overview

At NOVACARD, we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control – all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

In Short

• Identify, formulate, and prioritise hypotheses for collection strategy and process improvements based on data analysis.
• Design, execute, and analyse end-to-end A/B tests across contact strategy, customer segmentation, and pricing.
• Develop and continuously optimise a multi-channel contact strategy (voice, SMS, WhatsApp, email, voicebot, letters).
• Build and maintain production dashboards and collections efficiency metrics in Power BI.
• Automate recurring analytical and operational workflows using Python.
• Evaluate external collection agencies: placement strategy, cost-vs-recovery analysis, and portfolio rotation recommendations.
• Collaborate with the Collections Manager, operations, and tech stakeholders to translate insights into implemented process and strategy changes.

Requirements

• 2–5 years of experience in an analytical role within collections, credit risk, or portfolio management in consumer lending (fintech, banks, credit cards, BNPL, SOFOMs).
• Advanced English – mandatory; daily working language used with the international team.
• Strong SQL skills, including appropriate data storage design, indexes, execution plan analysis, lock awareness, and partitioning.
• Python for data analysis, scripting, and process automation.
• Power BI for building and maintaining production-ready dashboards.
• Solid understanding of experimentation methodologies and collections efficiency metrics.
• Proven ability to manage initiatives end-to-end independently, without micromanagement.

Benefits

• Fully remote work format.
• Official employment under the Russian Labor Code (if residing in Russia); contractor collaboration possible from other countries.
• Opportunity to work in an international team on a new digital product in the Mexican market.
• Work in a data-driven environment where your contributions have a real impact.