Collections Strategy Manager

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    "description": "<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt\"><span style=\"font-weight: bold\">About Jaja</span> </span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\"><span style=\"font-weight: bold\">Our Mission: </span>Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.</span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\"><span style=\"font-weight: bold\">Our Company Values</span>: Care Deeply, Adapt &amp; Thrive, Challenge everything, Go for it! Own it, Make it Simple </span></p>\n<p><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\"><span style=\"color: windowtext\">Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making. </span><br></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\"><span style=\"color: windowtext\">We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple. </span><br></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\"><span style=\"color: windowtext\">We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.</span><br></span></p>\n<p><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt; font-weight: bold\">Why Join Us?</span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. </span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself! </span></p>\n<p><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span style=\"color: rgb(72, 65, 63); font-size: 12pt; font-weight: bold\">** This role requires being in our London office 2 days a week, so please only apply if you're comfortably able to meet this requirement (</span><a href=\"https://www.bing.com/ck/a?!&amp;&amp;p=06ecc7b3c7ddd6d8c8bcaa2c5d4e3f1c90b9c139e9b9137d40ec35683a479071JmltdHM9MTc3ODcxNjgwMA&amp;ptn=3&amp;ver=2&amp;hsh=4&amp;fclid=163e4898-2826-6c36-2c48-5fd129856def&amp;u=a1L21hcHM_Jm1lcGk9MH5-RW1iZWRkZWR-QWRkcmVzc19MaW5rJnR5PTE4JnE9SGFybGluZyUyMEhvdXNlJnNzPXlwaWQuWU44NTBEMkMzNUMyNjdDNTREJnBwb2lzPTUxLjUwMzI5OTcxMzEzNDc2Nl8tMC4xMDA3NDk1NTIyNDk5MDg0NV9IYXJsaW5nJTIwSG91c2VfWU44NTBEMkMzNUMyNjdDNTREfiZjcD01MS41MDMzfi0wLjEwMDc1JnY9MiZzVj0xJkZPUk09TVBTUlBM&amp;ntb=1\" target=\"_blank\" rel=\"noopener noreferrer\">47-51 Great Suffolk St, London SE1 0BS</a><span style=\"color: rgb(72, 65, 63); font-size: 12pt; font-weight: bold\">) </span></span></p>\n<p><br><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span style=\"font-size: 18pt; font-weight: bold\">Collections Strategy Manager</span><br></span><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span>We’re looking for someone who thoroughly understands the end-to-end </span><span style=\"font-weight: bold\"><span>credit card</span></span><span> Collections &amp; Recoveries lifecycle to join us as a </span><span style=\"font-weight: bold\"><span>Collections Strategy Manager</span></span><span>. You’ll combine deep operational knowledge (from early delinquency through charge-off, debt sale/placement and post-charge-off recoveries) with strong technical and analytical capability to build, test, and optimise strategies that support customers in financial difficulty while delivering sustainable outcomes.</span><span> </span></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span>The successful candidate will be hands-on and delivery-focused, designing and executing the development of our Collections and Recoveries strategies using a test-and-learn, data-driven approach. You will work closely with Operations, Credit Risk, Product and Data to translate strategy into execution (policies, treatments, decision rules, customer journeys and tooling). </span><span> </span></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span>This is a permanent role</span><span> </span></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><br><span> </span></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt; font-weight: bold\"><span>Key responsibilities</span></span></p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Design, challenge and optimise end-to-end credit card Collections &amp; Recoveries strategies across all delinquency stages (pre-delinquency, 1-30, 31-60, 61–90 etc, charge-off and post charge-off), using segmentation, affordability/forbearance considerations and treatment paths to continuously improve performance</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Build a structured test-and-learn programme (champion/challenger, A/B tests) for letters/SMS/email, contact strategies, digital journeys, repayment options, agent scripting and strategy rules; define success metrics and ensure statistically sound evaluation</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Own strategy requirements end to end: document decision logic, write clear tickets/user stories, align stakeholders, and drive delivery through to implementation and measured outcomes</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Support the Collections Operations team when needed (e.g. clarifying strategy intent, handling ad-hoc data/MI requests, triaging issues, supporting UAT and go-live, and monitoring early performance)</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Ensure all Collections activity is compliant with relevant regulation and internal policies (including fair customer outcomes and vulnerability considerations), with robust controls, MI and audit trails for strategy changes</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Partner with Product &amp; Engineering to shape and leverage Collections technology (decisioning, workflow/case management, comms tooling, dialler strategies, self-serve journeys), proactively identifying automation opportunities and implementation risks</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Be a hands-on data practitioner: use SQL and a scripting language (e.g., Python) to extract, transform and analyse large datasets, validate strategy performance, and create repeatable analysis pipelines</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Define and communicate performance KPIs across the Collections funnel (roll rates, cure rates, contact/response, promise-to-pay kept, net loss, recoveries, cost-to-collect), producing clear performance packs and actionable insights</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Undertake portfolio monitoring and analytical deep dives (segmentation, vintage/cohort views, behavioural score performance, line management impacts, payment hierarchy effects), translating findings into prioritised strategy changes and delivered improvements</span><span> </span></span></li>\n</ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><br><span> </span><span style=\"font-weight: bold\"><br></span></span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"><span style=\"font-size: 18pt; font-weight: bold\">Essential skills and experience </span><br></span></p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Proven extensive experience in consumer finance Collections &amp; Recoveries, with </span><span style=\"font-weight: bold\"><span>credit card</span></span><span> knowledge a must.</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Experience leveraging modern Collections technology (decisioning, workflow/case management, diallers/comms orchestration, digital self-serve) and translating strategy into build-ready requirements</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Strong understanding of key UK regulatory and industry requirements for Collections, including fair customer outcomes and appropriate treatment of vulnerable customers</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>A strong bias to action: able to navigate ambiguity, remove blockers, and “get stuff done” from idea through to implemented change and measurable impact</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Strong stakeholder management and communication skills, able to influence across Operations, Risk, Product and Engineering</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Excellent written and verbal communication, with ability to present complex analysis simply and clearly to senior audiences</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Comfortable working at pace in a fast-changing environment; pragmatic, resilient and outcome-oriented</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span style=\"font-weight: bold\"><span>Strong coding skills</span></span><span> in SQL and at least one programming language used for data work (e.g., Python), including writing maintainable code for repeatable analysis and automation</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Demonstrated ability to work with large and complex datasets (joins, window functions, cohorting), and to build robust data definitions/metrics for MI and strategy monitoring</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Experience working in a fintech or digitally-led lender operating </span><span style=\"font-weight: bold\"><span>credit cards</span></span><span>, ideally with in-house decisioning and fast release cycles</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Strong collaboration skills with a pragmatic, low-ego approach; able to challenge constructively and align teams on outcomes</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Experience working autonomously in an agile environment, managing priorities and delivering iteratively</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Comfort operating across multiple workstreams (strategy changes, MI, governance, and delivery) without losing attention to detail</span><span> </span></span></li>\n</ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif\"> </span></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt; font-weight: bold\">Desired</span></p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Experience building dashboards and operational MI in tools such as Power BI / Tableau (or similar), including metric definitions and automated refresh</span><span> </span></span></li>\n</ul>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif\"><span>Experience with cloud data platforms and analytics tooling (e.g., Snowflake/BigQuery/Databricks) and/or experimentation frameworks; start-up/scale-up experience advantageous</span><span> </span></span></li>\n</ul>\n<p><br><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 24px; font-weight: bold\">You should apply if</span></p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Strong technical and analytical mindset</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Able to work at pace without sacrificing quality</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Tenacious and resilient approach</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Highly organised with strong attention to detail</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Methodical, thorough, and solution-focuse</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">A natural “completer finisher” who sees tasks through</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Reliable and structured, thriving in a flat, trust-led team environment</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Collaborative problem-solver, comfortable working across teams and with external partners</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Communicates clearly and directly, with respect and efficiency</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Hands-on mindset - willing to roll up sleeves and get things done</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Motivated by and excited about Jaja’s mission and growth 🚀</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt\"><span style=\"font-weight: bold\">What's in it for you? </span> </span></p>\n<ul>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever   </span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Competitive salary   </span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Pension contributions, including Salary Exchange facility </span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Annual bonus potential</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Private medical cover provided by Vitality (optional benefit)</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days). </span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Your birthday off each year as an additional day's holiday</span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">4x life insurance cover </span></li>\n<li><span style=\"font-family: arial, helvetica, sans-serif; font-size: 12pt\">Access to our confidential Employee assistance programme </span></li>\n</ul>",
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