Data Engineer- Collections Analytics

We are seeking a skilled Data Engineer to enhance our Digital Collections efforts by leveraging data engineering, portfolio analysis, and data-driven strategies. This role focuses on building and optimizing data pipelines, managing collections data, developing MIS reports, and analyzing delinquent accounts to boost collection performance. The successful candidate will collaborate closely with teams across Collections, Product, Risk, Technology, and Digital Collections to advance digital collection initiatives across the UAE, Pakistan, and Egypt. Proficiency in SQL, cloud technologies, and big data tools is essential to drive these objectives.

Key Responsibilities

- Build and maintain efficient data pipelines for ETL processes using SQL and AWS big data technologies.
- Prepare, validate, and maintain collections data to ensure its accuracy, quality, and accessibility.
- Develop and deliver timely MIS reports, dashboards, and analytical insights to support strategic business decisions.
- Manage ad-hoc data requests and provide actionable insights through portfolio analysis and trend identification.
- Automate manual workflows and optimize data pipelines to enhance scalability and infrastructure efficiency.
- Analyze delinquent accounts to support portfolio segmentation, delinquency management, and digital collection strategies.
- Monitor campaign performance and assist customer engagement via digital channels such as Email, SMS, IVR, WhatsApp, Voice Blaster, and in-app notifications.
- Collaborate with cross-functional teams including Collections, Product, Risk, Technology, and Operations to improve collection processes and customer journeys.
- Ensure compliance with data security, privacy policies, and relevant regulations.
- Support the development and expansion of digital collection capabilities across multiple regions including UAE, Pakistan, and Egypt.

Required Qualifications

- Bachelor’s degree in Computer Science or a related field; Master’s degree preferred.
- 3 to 5 years of experience in Retail Collections, Collections Strategy, Credit Operations, or Product Management.
- 2 to 3 years of hands-on experience in data management and MIS reporting.
- Strong proficiency in SQL and programming languages such as Java, Scala, or SAS.
- Practical experience with data extraction, transformation, and ETL tools.
- Familiarity with big data technologies including Hadoop ecosystem, Spark, and cloud platforms like AWS, Azure, or Google Cloud.
- Experience working with traditional relational databases (SQL Server, Oracle) as well as NoSQL and in-memory databases.
- Knowledge of dashboard development tools such as Tableau, Power BI, or Qlik.
- Understanding of data analytics and modeling using Python, R, or Spark.
- Solid grasp of data architecture principles, data retention policies, infrastructure monitoring, and performance optimization.
- Strong analytical, problem-solving, communication, and stakeholder management skills.
- Good understanding of collections processes, delinquency management, and digital collections strategies.

This role offers an opportunity to work at the intersection of data engineering and digital collections strategy, contributing to improved collection outcomes across diverse markets. The position requires a proactive individual capable of driving data-driven initiatives and collaborating effectively with multiple teams to enhance customer engagement and operational efficiency.