Data Engineer

This role supports the Digital Collections team by preparing and maintaining accurate data to meet operational requirements. The position involves delivering timely Collections MIS and analytical reports that aid the collections team in making informed decisions. It serves as the primary contact for ad-hoc data requests related to collections, ensuring efficient data retrieval and utilization. The role also focuses on identifying and implementing process improvements such as automating manual workflows, optimizing data pipelines, and enhancing infrastructure for scalability and efficiency.

The candidate will be responsible for building and maintaining the data infrastructure needed for seamless extraction, transformation, and loading (ETL) from multiple sources using SQL and AWS big data technologies. Collaboration with executive leadership, product, data, and design teams is essential to address technical challenges and improve data-driven strategies for collections and portfolio analysis. Ensuring the security of sensitive collections data in compliance with privacy regulations and company policies is a key aspect of this role. Additionally, the position requires partnering with data and analytics experts to enhance system functionality for portfolio segmentation, delinquency management, and digital collection strategies.

Leveraging digital collections technologies to analyze delinquent accounts, design proactive engagement strategies, and improve collections workflow efficiency is a critical responsibility. The role involves close collaboration with Digital Collections squads to further develop features of the digital collections stack and expand its deployment across other regions.

Key Responsibilities

- Assist with data preparation and maintenance to ensure accuracy and accessibility for operational needs.
- Deliver timely Collections MIS and analytical reports to support decision-making.
- Act as the primary point of contact for all ad-hoc collections data requests.
- Identify, design, and implement process improvements including automation and infrastructure enhancements.
- Build and maintain ETL infrastructure using SQL and AWS big data technologies.
- Collaborate with leadership and cross-functional teams to resolve technical challenges and improve data strategies.
- Implement best practices for securing sensitive collections data in compliance with regulations.
- Partner with data and analytics teams to enhance data systems for portfolio segmentation and delinquency management.
- Utilize digital collections technologies to analyze delinquent accounts and improve collections workflows.
- Work closely with Digital Collections squads to develop and expand digital collections features regionally.

Required Qualifications

- 3-5 years of experience in Retail Collections, Collections Strategy, Credit Operations, or Product Management.
- 2-3 years of hands-on experience with data and MIS reporting.
- Strong understanding of collections processes and procedures.
- Ability to interpret data and identify meaningful trends.
- Knowledge of data architecture, data retention policies, performance monitoring, and infrastructure recommendations.
- Proficiency in Java, Scala, SQL, and SAS development.
- Expertise in big database systems including Hadoop ecosystem, cloud platforms (AWS, Azure, Google Cloud), in-memory databases (HANA, Hazelcast), traditional RDBMS (SQL Server, Oracle), and NoSQL databases.
- Experience in dashboard development tools such as Tableau, Power BI, or Qlik.
- Skills in developing data analytics models using R, Python, or Spark.
- Bachelor’s degree in Computer Science or equivalent; Master’s degree preferred.
- Practical experience with data extraction and transformation tools.

This position offers the opportunity to work at the intersection of collections strategy and advanced data technologies, contributing to the digital transformation of collections operations while collaborating with diverse teams to drive impactful business outcomes.