Collections Data Analyst (Hybrid)

About the role

Purpose Financial, together with its family of brands including Advance America and Purpose Money, has been delivering accessible financial solutions for over 25 years. With 2,500+ employees across 800+ locations in 23 states, the company is committed to helping customers achieve financial stability. Data drives smarter decisions, stronger recovery strategies, and better outcomes for customers and the business. The Collections Data Analyst will report to the VP of Collections and serve as a subject‑matter expert, turning complex collections data into actionable insights that fuel operational excellence and continuous improvement.

Responsibilities

• Obsess Over Customers by analyzing customer behavior, payment patterns, and portfolio segmentation to support the development of smarter, more effective collections strategies that serve both the business and the people we lend to.
• Embody Integrity by ensuring data accuracy, integrity, and compliance—collaborating with Data Governance, Compliance, and Legal teams to ensure all reporting aligns with applicable regulatory requirements including FDCPA and CFPB guidelines.
• Be Decisive by independently translating complex business requirements into KPIs, dashboards, and on‑demand reports—delivering clear, actionable intelligence without waiting to be asked.
• Lead with Vision by driving the evolution and expanded utilization of data analytics across the Collections department, supporting forecasting and modeling efforts related to delinquency, charge‑off, and recovery projections.
• Go Bold by identifying cross‑functional operational improvement opportunities and pushing the organization's data capabilities forward—bringing new tools, techniques, and efficiencies to the Collections team.
• Care Always by building collaborative relationships across Collections, Operations, Finance, Compliance, and Technology teams—translating technical concepts clearly for both technical and non‑technical stakeholders at all levels.
• Show Up to Coach Up by serving as the go‑to SME for collections data analytics, providing guidance to data teams and analysts, troubleshooting data issues, and translating user requirements into technical solutions with documentation and end‑user training.
• Better You, Better Everyone by staying current on analytics tools, collections regulations, and industry best practices—continuously bringing new ideas and efficiencies to the team and the broader organization.

Day-to-Day Activities

• Collections Insights & Improvement
  • Analyze collections performance metrics including delinquency rates, roll rates, recovery rates, charge‑off trends, and agent productivity.
  • Identify collections‑related and cross‑functional operational improvement opportunities.
  • Support the development and refinement of collections strategies through data‑driven analysis.
• Data Analytics & Reporting
  • Develop and deliver reports on‑demand using SQL, Tableau, Sigma, and other analytics tools.
  • Create and maintain dashboards for recurring executive reporting on portfolio health, collections effectiveness, and compliance metrics.
  • Support forecasting and modeling efforts related to delinquency, charge‑off, and recovery projections.
• Data Quality & Validation
  • Validate the accuracy of queries and data through investigation, comparison, and reconciliation across platforms.
  • Ensure data integrity by identifying and escalating issues in collaboration with Data Governance, Compliance, and IT teams.
  • Create requirements for data elements necessary for collections analytics and reporting.
• Project & Stakeholder Management
  • Manage multiple complex projects simultaneously while meeting deadlines.
  • Translate user requirements into technical solutions, including documentation, testing, and end‑user training.
  • Participate in and provide oversight over initiatives addressing collections operational issues per executive‑approved corrective measures.

Requirements

• BA/BS in Business, Data Analytics, Computer Science, Information Technology, Statistics, Finance, or a related field (may be waived in lieu of relevant experience).
• 3–5+ years of proven experience in data analytics, preferably within financial services, consumer lending, or collections environments.
• Experience working with collections systems, loan management platforms, or CRM tools strongly preferred.
• Advanced proficiency in SQL, Tableau, and/or Sigma.
• Strong analytical thinking with excellent written and verbal communication skills.
• Skilled in problem‑solving, influencing, and executing projects across cross‑functional teams.
• Ability to manage multiple projects simultaneously in a fast‑p