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San Francisco, California, United States
Hybrid
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.
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.
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).
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.
*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.
