Recovery Analyst, Merchant Lending Credit (Americas)

Overview

This role focuses on analyzing and improving the recovery system for a lending platform that supports entrepreneurs when capital is tight. The position involves detecting risk, engaging with merchants, structuring payment plans, and measuring performance across the recovery funnel. The analyst will evaluate business rules, workflows, data models, and dashboards to optimize the recovery process.

Responsibilities

• Analyze the end-to-end recovery process design, from outreach to payment or settlement plan completion.
• Lead requirements gathering across multiple teams including Trust, Finance, Product, Engineering, Data, and Operations.
• Map and continuously review current and future recovery workflows, including triggers, routing, SLAs, and exception handling.
• Design and implement business rules for ticket creation, prioritization, and merchant segmentation to ensure appropriate treatment.
• Recommend and track recovery KPIs over time.
• Architect and maintain reporting and dashboards that provide real-time views of recovery performance and risk.
• Use SQL to conduct deep-dive analyses on strategy effectiveness and recommend actionable changes.
• Collaborate with data engineering on data pipeline design and evolution, ensuring data quality and documentation.
• Lead user acceptance testing (UAT) for changes to recovery systems and rules, including defining test plans and monitoring post-launch impact.
• Serve as the subject matter expert on recovery data and systems, providing guidance on system operations and improvements.
• Influence the roadmap and prioritization for recovery-related product and tooling investments using data-driven narratives.

Requirements

• Experience in lending, credit, fintech, or broader financial services.
• Expert-level skills in process mapping and maintaining detailed workflows and system diagrams.
• Strong requirements-gathering and facilitation skills to align diverse stakeholders and translate business needs into functional and technical specifications.
• Advanced SQL skills with experience working directly with relational databases and large, complex datasets.
• Hands-on experience with BI/visualization tools such as Tableau, Looker, Power BI, or similar to build dashboards for senior stakeholders.
• Solid understanding of data concepts and data pipeline design; ability to collaborate effectively with data engineers.
• Demonstrated experience designing and tracking KPIs for operational or risk processes (e.g., collections, credit risk, revenue operations).
• Strong executive storytelling skills to translate complex data and system behavior into clear narratives and recommendations.
• High ownership bias and comfort with ambiguity; ability to focus on building the right system for merchants and risk.

Compensation & Benefits

Details about compensation and benefits are not provided in this description.

Location

Location details are not specified in this description.