JaJa Finance Ltd
Collections Strategy Analyst
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About Jaja
Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.
Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple
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. 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. 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.
Why Join Us?
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. 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 the way for the new stuff. Come as you are and be yourself!
Collections Strategy Analyst
We're looking for a curious, data-driven analyst to join our Collections & Recoveries team. Working closely with the Collections Strategy Manager, you'll help design, test, and monitor the strategies that determine how we support credit card customers in financial difficulty – from early delinquency through to charge-off and post-charge-off recoveries. This is a hands-on role: you'll spend a lot of your time in SQL and Python, building analysis pipelines, running champion/challenger tests, and turning data into clear, actionable insight.
Credit card experience is preferred, but it's not essential.
What you'll do
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Strategy analysis & optimisation
- Support the design and ongoing optimisation of collections strategies across all delinquency stages (pre-delinquency, 1–30, 31–60, 61–90+, charge-off, and post-charge-off).
- Analyse segmentation, treatment paths, and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations.
Test & learn programme
- Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options, and strategy rules.
- Define success metrics, size tests correctly, and produce statistically robust evaluation packs that drive confident decisions.
Data & MI
- Build and maintain repeatable analysis pipelines, define consistent metric definitions, and produce regular MI and performance packs covering key KPIs: roll rates, cure rates, promise-to-pay kept, contact and response rates, net loss, and recoveries.
Portfolio monitoring & deep dives
- Conduct regular portfolio monitoring and analytical deep dives — segmentation, vintage/cohort analysis, behavioural score performance, and payment hierarchy effects — and present findings clearly, with prioritised recommendations for the Collections Strategy Manager.
Delivery support
- Support the end-to-end delivery of strategy changes: help document decision logic and user stories, assist with UAT, support go-live monitoring, and contribute to governance and audit requirements.
- Work with Operations, Credit Risk, Product, and Data teams day-to-day.
What we're looking for
Data skills
- Knowledge of data extraction, transformation, and analysis.
- Comfortable with joins, window functions, cohorting, and building repeatable pipelines.
Collections experience
- Experience in consumer finance collections and recoveries, ideally including credit card.
- Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability.
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Analytical mindset
- Able to work with large, complex datasets and translate findings into clear insight.
- Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly.
Communication
- Can present complex analysis clearly and concisely to a range of audiences.
- Writes well, structures arguments logically, and is comfortable producing performance packs and strategy documentation.
Pace & delivery
- Comfortable working at pace in an agile, fast-changing environment.
- Can manage multiple workstreams simultaneously without losing attention to detail, and takes tasks through to completion.
Collaboration
- Pragmatic team player who enjoys working cross-functionally.
- Can build good working relationships with Operations, Risk, Product, and tech colleagues and asks good questions.
Nice to have
- Experience working in a fintech or digitally-led lender with in-house decisioning and fast release cycles.
- Exposure to experimentation frameworks or formal A/B testing.
What's in it for you?
- The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever.
- Competitive salary.
- Pension contributions, including Salary Exchange facility.
- Annual bonus potential.
- Private medical cover provided by Vitality (optional benefit).
- 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).
- Your birthday off each year as an additional day's holiday.
- 4x life insurance cover.
- Access to our confidential Employee assistance programme.
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