TensorOps is redefining lending through technology, providing forward-thinking financial solutions to underserved individuals. We are looking for a hands-on, results-oriented Analytics Manager, Collections to deliver high-impact insights that shape our collections strategies and performance. This individual contributor role sits at the center of our Collections function, applying advanced analytics to understand customer risk, payment intent, and channel response.
What You'll Do
- Develop and maintain risk-based segmentation and severity models to inform treatment paths across delinquency stages.
- Build and refine intent-to-pay and willingness-to-pay models, including hardship-program candidate scoring.
- Partner with data engineering to ensure segmentation logic is robust and production-ready.
- Measure and forecast response rates by contact channel (SMS, email, IVR, live agent, etc.).
- Provide guidance on optimal contact strategies and champion data-driven tests to improve engagement.
- Analyze delinquency, roll, and recovery trends; identify operational drivers behind performance changes.
- Evaluate effectiveness of programs (payment plans, settlements, hardship) on customer cure and roll-back rates.
- Provide agent-level performance intelligence, linking behaviors to outcomes.
- Build dashboards and scorecards that track KPIs across early-, mid-, and late-stage collections.
- Synthesize data into clear insights, crafting structured narratives that help leaders understand “what’s happening, why, and what to do next.”
- Present findings in concise, business-focused terms that inspire action.
- Produce volume and recovery forecasts, stress-test scenarios, and recommend course corrections to improve efficiency and results.
- Support post charge-off modeling to estimate payment potential.
- Work with leaders in Collections, Risk, Compliance, and Product to frame problems, scope analyses, and implement findings.
- Serve as a trusted thought partner who can bridge analytics and operational strategy.
What We're Looking For
- 5+ years of experience in analytics, strategy, or quantitative operations roles.
- Proficiency in SQL and Python (or R) for data querying, modeling, and statistical analysis.
- Advanced skills with BI tools (Tableau, Power BI, Looker) for reporting and visualization.
- Demonstrated ability to organize complex information, apply structured problem-solving, and communicate insights through clear, persuasive stories.
- Solid understanding of delinquency, roll rates, recoveries, and operational levers that influence collections outcomes.
- Strong critical thinking and written/oral communication skills.
- Comfortable managing multiple priorities independently in a fast-paced environment.
Nice to Have
- Experience in collections or credit risk strongly preferred (full credit spectrum).
Technical Stack
- SQL, Python, R, Tableau, Power BI, Looker
Team & Environment
This role reports to the Director, Operations Analytics.
Work Mode
This position operates on a hybrid schedule. Candidates should be based in or near Miami, FL, or be eligible for US remote work.
TensorOps is an equal opportunity employer.
