DigniFi · 10 hours ago
Collections Risk Analyst
Grapevine, TX
Full-time
Onsite
Mid, Senior Level
3+ years expDigniFi is a mission-driven company that offers Point-of-Sale financing solutions to help partners increase revenue and improve customer access to financing for auto repairs. The Collections Risk Analyst will support collections performance through portfolio analytics and reporting, analyze delinquency trends, and collaborate with various teams to optimize recovery outcomes while ensuring compliance and customer respect.
AutomotiveFinancial ServicesFinTechMarketplace
No H1B
Responsibilities
Produce recurring collections performance reporting (delinquency migration, roll rates, cure rates, recovery rates, net credit loss) across stages and vintages
Analyze cohort and vintage performance to identify emerging risks, behavior shifts, and early warning indicators
Support creation of executive-level summaries for collections leadership
Maintain, validate, and enhance reporting accuracy and data controls
Analyze performance of AI voice agents using metrics such as RPC, completion rates, escalation rates, sentiment scoring, intent recognition, and FCR
Support A/B testing of contact strategies, voice agent configurations, channel sequencing, timing, and messaging frameworks
Evaluate multi-channel collections performance (voice, SMS, digital self-service) to support contact strategy optimization
Provide analytical support for cost-benefit analysis, ROI, and performance trends for AI-enabled collections tools
Identify potential compliance concerns by reviewing call/interaction performance trends and escalate when appropriate
Segment delinquent accounts using payment behavior, prior outcomes, risk indicators, and exposure/Value-at-Risk
Analyze propensity-to-pay patterns to distinguish self-cure accounts from high-risk segments
Support strategy recommendations for treatment paths, contact intensity, channel selection, hardship eligibility, and escalations
Contribute to analysis of delinquency trends, roll rates, and recovery curves for loss forecasting and CECL-related inputs
Support forecasting variance analysis and capacity planning discussions
Provide data and insights that connect collections performance to broader credit and financial metrics
Analyze operational performance (RPC rates, contact rates, promise-to-pay kept rates, agent/AI productivity, campaign outcomes)
Identify bottlenecks or opportunities for process and strategy optimization
Support ad-hoc analytics for policy changes, new treatments, and technology initiatives
Collaborate with credit risk, data/BI, and servicing teams to ensure aligned metric definitions and shared understanding of portfolio health
Partner with compliance and legal on analytics related to regulatory controls and contact strategy governance
Engage with technology and vendor teams as needed to access data, support performance troubleshooting, and inform configuration changes
Qualification
Required
Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative field
Minimum 3–5 years of experience in collections analytics, credit risk analytics, or portfolio analytics (consumer lending preferred)
Demonstrated experience using SQL and Python (or R) in a professional analytics environment
Experience with delinquency analysis, roll rates, loss forecasting, vintage analysis, or similar portfolio analytics
Exposure to collections software platforms, CRM systems, or call-center/servicing data environments
Strong understanding of consumer lending products, collections workflows, and operational performance metrics
Experience designing or evaluating A/B tests or controlled experiments
Benefits
Flexible PTO
12 Paid Holidays
Up to 80% Employer-Paid Premiums for Medical, Dental and Vision Insurance
Long-term Disability Insurance
Basic Life Insurance
Paid Parental Leave
Matching 401k
Company
DigniFi
DigniFi is a fintech marketplace company that connects consumers with lenders to help finance large automotive repair costs.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$189MKey Investors
Encina Lender FinanceBrigade Capital Management
2024-07-09Debt Financing· $175M
2022-07-29Convertible Note
2020-06-30Series A· $14M
Leadership Team
Neeraj Mehta
Chief Executive Officer
Eileen Cavanaugh
Chief Financial Officer
Recent News
Morningstar.com
2025-08-19
2024-10-27
Company data provided by crunchbase