What are the responsibilities and job description for the Collections Strategy Analyst position at Harnham?
Credit Risk Analyst – Collections Strategy & Analytics
📍 Wilmington, DE (Hybrid)
💲 $120,000-$130,000 Bonus Benefits
Use Data to Drive Smarter Collections Decisions
Join a fast-growing fintech that’s changing how consumers access and manage credit. As a Credit Risk Analyst focused on Collections Strategy, you’ll design and refine data-driven strategies that support customers through delinquency, improve recovery performance, and keep portfolio risk in check.
This is an opportunity to work at the intersection of data, operations, and strategy — turning analytics into action in a business that values curiosity, experimentation, and measurable impact.
The Role
You’ll work closely with senior leaders in risk and oeprations to analyze portfolio trends, monitor delinquency performance, and drive the development of collections and recovery strategies that balance customer experience with loss mitigation.
Day to Day, You Will:
- Build and run SQL-based performance reports to track delinquency, cure rates, and collections effectiveness.
- Conduct deep-dive analysis on payment behavior, roll rates, and recovery outcomes to identify opportunities for improvement.
- execute A/B tests and strategy experiments — helping evaluate new treatment paths, contact strategies, and vendor performance.
- Collaborate with data science and operations teams to translate insights into practical strategy changes.
- Present findings and recommendations to senior analysts and managers, helping drive data-informed decisions.
What You Bring
- 1–5 years of experience in credit risk, collections analytics, or consumer lending (cards, personal loans, or fintech experience a plus).
- Proficiency with SQL for data extraction and analysis (Python, R, or Tableau a plus).
- Strong analytical mindset — comfortable working with large datasets and translating trends into actionable insights.
- Curiosity about the full credit lifecycle, with a desire to learn how collections strategy impacts portfolio performance.
- Clear communicator who can explain findings to both technical and non-technical teams.
Why Join?
- Join a mission-driven fintech shaping the future of lending through data and technology.
- Gain exposure to senior leaders and hands-on experience across the collections and risk lifecycle.
- Competitive compensation, strong mentorship, and plenty of room to grow your analytics career.
- A collaborative, innovative culture where ideas move quickly from analysis to execution.
📩 Ready to use your analytical skills to help redefine how a leading fintech manages collections? Apply now.
Salary : $110,000 - $130,000
