We are a fast-growing startup transforming access to credit through innovative point-of-sale (POS) lending solutions. Our platform enables merchants to offer seamless financing options to customers, driving sales growth while improving financial inclusion.
We are looking for a highly analytical and proactive Collection Analyst to join our Risk (Customer Value Management) team.
This role will focus on designing and optimizing collection strategies, improving recovery performance, and driving analytical initiatives across the collections lifecycle. The ideal candidate combines strong analytical skills with experience in consumer lending environments and is comfortable working with experimentation, automation, and large datasets.
You will partner closely with Risk, Operations, Tech, and Collections stakeholders to translate insights into scalable operational improvements.
2–5 years of experience in analytical roles within Collections, Credit Risk, Portfolio Management, Consumer Lending, Fintech, Banking, Credit Cards, BNPL, or SOFOM environments
Strong experience working with collections analytics and recovery strategies
Advanced SQL knowledge, including data structures, optimization, indexes, execution plans, and partitioning
Hands-on experience using Python for analysis, automation, and workflow optimization
Experience building production dashboards and reporting solutions in Power BI
Solid understanding of experimentation methodologies, A/B testing, and collections performance metrics
Ability to independently manage initiatives end-to-end in fast-paced environments
Strong analytical thinking and problem-solving capabilities
Advanced English and Spanish (English is required as part of daily collaboration)
Experience building simple predictive models, segmentation frameworks, scoring models, or uplift analysis
Active use of AI tools such as ChatGPT, Claude, or Copilot to accelerate analysis and automation
Knowledge of dialer technologies and collections operations tooling
Familiarity with Mexican financial and credit regulations (CNBV, CONDUSEF, Buró de Crédito)
Experience with Bash scripting or operational automation
Background in fintech, consumer lending, POS financing, or digital credit products
Master’s degree or MBA is a plus
Competitive compensation package
Opportunity to work in a high-growth fintech environment with strong business impact
Exposure to portfolio strategy, risk analytics, and collections optimization initiatives
Collaborative and data-driven culture
Career growth opportunities within Risk and Customer Value Management
Hybrid and flexible work environment
Regional exposure and cross-functional collaboration
En NOVACARD estamos redefiniendo el crédito en México. Construimos un modelo radicalmente simple y transparente: sin anualidad, sin intereses rotativos y sin cargos ocultos. En lugar de complejidad, ofrecemos un costo diario fijo y visible desde el primer día. El usuario siempre sabe exactamente cuánto paga.
Hoy más de 90,000 personas ya usan NOVACARD porque el crédito no debería castigarte con letras pequeñas ni reglas confusas. Damos flexibilidad con reglas claras: periodo de gracia sin costo y, si decides extender tu pago, una comisión diaria fija y siempre informada. En un mercado donde millones tuvieron acceso pero no confianza, estamos construyendo algo diferente: crédito basado en claridad.
