Director, Collections Strategy & Analytics

Your Role in Our Mission At Proper, we are committed to advancing financial well-being through smarter, technology-driven financial solutions. We are seeking an exceptional leader to head our Analytics function within the Collections & Recoveries organization. As the Director, Collections Strategy & Analytics, you will serve as a strategic leader responsible for optimizing portfolio credit performance across our Personal Loans and Credit Card business lines. Reporting directly to the VP of Collections & Recoveries, you will lead and empower high-performing analytics teams to design, test, and deploy data-driven strategies across the entire credit lifecycle. Leveraging modern data stacks, machine learning, and advanced behavioral segmentation, you will drive collection effectiveness, elevate operational efficiency, and deliver a best-in-class customer experience. How you'll make an impact Advanced Analytics, AI/ML & Loss Forecasting • Lead AI/ML & BI Capabilities: Direct the team in leveraging modern Business Intelligence tools, advanced analytics, and machine learning techniques to drive actionable insights. • Own Loss Forecasting: Oversee the development, validation, and maintenance of loss forecasting models. Continuously benchmark and refine forecasting methodologies against industry best practices to maximize accuracy. • Experimental Design & Optimization: Champion a rigorous testing culture by designing, executing, and evaluating A/B and multivariate strategy experiments. • Portfolio Analytics: Monitor portfolio performance at a deep segment level to identify emerging risk trends, perform root-cause analysis, and isolate core performance drivers. • KPI Governance: Establish robust Key Performance Indicators (KPIs) and operational dashboards to measure strategic efficiency and financial returns. Strategic Leadership & Innovation • Drive End-to-End Strategy: Architect, deploy, and refine integrated customer contact and treatment strategies for both early-stage collections and late-stage recoveries. • Foster Out-of-the-Box Problem Solving: Bring innovative approaches to borrower engagement, digital outreach, and treatment optimization that balance recovery performance with customer empathy. • Executive & Stakeholder Communication: Synthesize complex analytical findings into clear strategic narratives. Regularly present portfolio health, strategy performance, and key metrics to executive leadership and key external partners. • Cross-Functional Synergy: Partner with Credit Risk, Marketing, Product, Engineering, and Operations to seamlessly deploy strategies. Skills that will help you thrive • Education: Master’s degree in Statistics, Economics, Mathematics, Engineering, Data Science, Business, or a related quantitative field. • Experience: 10+ years of progressive experience leading advanced analytics and modeling teams in financial services, with direct expertise in consumer lending collections or credit risk management. • Leadership: Proven track record of building high-performing analytical teams, as well as influencing cross-functional stakeholders. Excellent communication and organizational skills. • Technical & Analytical Expertise: Deep expertise in statistical modeling, segmentation, loss forecasting, and modern analytics workflows. Hands-on fluency with tools such as SQL, Python/R, and BI/visualization platforms (e.g., Tableau, PowerBI, Looker). • Agility & Drive: Exceptional ability to synthesize complex data, prioritize high-impact initiatives, and operate with a strong sense of urgency in a fast-paced environment. • Preferred Experience: Hands-on experience building or deploying predictive machine learning models (e.g., propensity to pay, roll-rate models, channel response models). Resources to help you prosper • A hybrid connection: We believe in the "best of both worlds" - a hybrid environment (2 days/week in our SF office) that balances high-touch collaboration with the flexibility of remote work • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace About Us Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products. Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com. We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!     Our Values Diversity expands opportunities Collaboration creates better solutions Curiosity fuels our innovation Integrity defines all our relationships Excellence leads to longevity  Simplicity guides our user experience  Accountability at all levels drives results   www.prosper.com Our Story & Team  //   Our Blog    Applicants have rights under Federal Employment Laws. Family & Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)    California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.   Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.   At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.   Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.     *All personal loans are made by WebBank. ¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.