Data Engineer- Collections Analytics

We are seeking a skilled Data Engineer to enhance our Digital Collections efforts through effective data engineering, portfolio analysis, and the implementation of 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 strategies across the UAE, Pakistan, and Egypt. Proficiency in SQL, cloud technologies, and big data tools is essential for success in this position.

Key Responsibilities

- Build and maintain robust data pipelines for extraction, transformation, and loading (ETL) using SQL and AWS big data technologies.
- Prepare, maintain, and validate collections data to ensure its accuracy, quality, and accessibility.
- Develop and deliver timely MIS reports, dashboards, and analytical insights to support business decision-making.
- Manage ad-hoc data requests and provide actionable insights through portfolio analysis and trend identification.
- Automate manual workflows, optimize data pipelines, and enhance the scalability and efficiency of data infrastructure.
- 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, Operations, and Digital Collections to refine collection processes and improve customer journeys.
- Ensure compliance with data security, privacy policies, and relevant regulations.
- Support the growth and expansion of digital collections capabilities across the UAE, Pakistan, and Egypt.

Required Qualifications

- Bachelor’s degree in Computer Science or a related field; a Master’s degree is 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 the 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, 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.

There are no specific preferred qualifications or benefits mentioned for this role. However, the position offers the opportunity to work in a dynamic, multi-regional environment focused on advancing digital collection capabilities through innovative data solutions.