About UsWe are a high-growth, publicly listed consumer finance company on a mission to improve lives by providing fair access to capital. We are a builder organization at our core, and our success comes from the talent, passion, and vision of our people. We operate with urgency because our mission matters.

The Role: The Strategist Behind Every Collection ActionThis is not a collections operations role, and it is certainly not a reporting role. Collection Strategy & Analytics is the intelligence unit of our collections function. You will design the how and the when of collections — which accounts are worked, by which channel, in what sequence, with what treatment, and at what cost — across a national footprint of approximately 1,000 branches and every recovery channel we operate: branch, field collection, phone collection, external agencies, and legal recovery.

You will not make the calls or the field visits. You will design the strategy that everyone else executes, and then prove with data whether it worked. Credit cost is the single largest cost line in our profit and loss statement, and the strategies you build move it directly.

We do not want passive analysts. We need you to interrogate the data, challenge how we collect today, and bring us the evidence for a better way. Form hypotheses, test them properly, and act on what the results tell you — including when they tell you that you were wrong.

This role is a career accelerator. You will work directly with the Chief Risk Officer and you will see the consequences of your own decisions in the portfolio within weeks. We are a pure meritocracy: if your strategies reduce credit losses, your growth and impact will be limitless.

Key Responsibilities

Early Warning and Portfolio Surveillance — Monitor cure rates, flow (roll) rates and recovery performance across every collection channel and portfolio segment. Detect emerging deterioration before it reaches the P&L, isolate the cause, and put a recommended corrective action in front of decision-makers within days of identification — not at the next monthly meeting.

• Collection Strategy Design and Testing — Own the champion/challenger discipline for collections. Design segmentation and treatment strategies — contact intensity, channel allocation, timing, messaging, settlement and restructure offers — build them as properly controlled tests with holdout groups, and measure the incremental effect. Kill what does not work; scale what does.

• Recovery and Legal Analytics — Analyse recovery performance on the write-off pool, repossession and auction outcomes, litigation returns and timelines, and discounted settlement economics. Recommend where to pursue, where to settle, and where to stop.

• Collection Economics — Track the ratio of collection cost to payments received at channel and segment level. Identify segments where the cost of recovery exceeds the value of the recovery, and remediate them. Bring financial discipline to a function that can very easily spend more than it collects.

• Root Cause Analysis — When performance misses target, find out why. Separate portfolio mix effects from strategy effects from execution effects, and be able to defend the distinction under challenge.

• Automated Performance Monitoring — Design and automate the tracking of collection key risk indicators through code, queries and BI dashboards. There are zero routine jobs producing old-style monthly reports in this team; everything is automated.

• Data Integrity — Collection performance data is only useful if it is honest. Build the analytics and controls that detect activity-log manipulation, channel misattribution and incentive gaming, and escalate what you find.

• System

Requirements

Definition — Translate strategy into system capability. Write the business requirements for collection system and mobile application enhancements — allocation rules, work queues, action logging, promise-to-pay capture, telephony integration — and see them through design, user acceptance testing and release.

• Strategic Insight — Turn complex analysis into clear, short, actionable recommendations for senior leadership

How Your Performance Will Be MeasuredYou will be measured on outcomes, not on activity: flow rates and cure rates against target; recovery rate on the write-off pool; net credit cost against the approved annual target; cost of collections as a proportion of payments received; turnaround time for collection strategy and parameter changes; and the number of initiatives you start yourself that have a measurable impact on credit cost.

The Ideal Candidate: An Analytical StrategistWe are seeking a highly analytical and quantitative individual with an exceptional analytical mindset, high grit, and a genuine appetite for using data to solve messy commercial problems. The ideal candidate is a high performer who is not afraid to challenge assumptions — including senior ones — and who feels personal ownership of the credit losses this company incurs.

Preferred Experience & Qualifications

• Professional Experience — 2–5 years in collections analytics, credit risk, decision science, or another highly quantitative role, preferably within consumer finance or banking. Hands-on collections or recovery experience is an advantage, but it is not a substitute for analytical ability. We will consider exceptional fresh graduates with rare quantitative aptitude and determination.

• Strong Educational Foundation — A Bachelor's degree or higher in a quantitative field such as Statistics, Economics, Finance, Engineering, Mathematics, Data Science or a related discipline.

• Expert-Level Technical Skills — You must be an expert in SQL and Python, with a deep working knowledge of BI tools such as Power BI. We do not do manual reports; everything is done through code and dashboards. Basic skills like pivot tables and spreadsheets are not enough for this job. Your technical and analytical skills will be rigorously tested.

• Experimental Rigour — You understand test and control design, sample sizing, and the difference between correlation and causation — and you can explain to a skeptical executive why a result is real.

• Demonstrated Commitment — A track record that showcases dedication and focus. We are for individuals eager to build with us for the long term.

Essential Qualities & Skills

• High Grit — You have the resilience and perseverance to dig through complex, imperfect data and push through difficult analytical challenges without giving up.

• Exceptional Problem-Solving — A deep curiosity and a hypothesis-driven approach to finding where recovery value is being lost.

• Commercial Judgement — You understand that the objective is not the lowest delinquency or the highest recovery rate, but the best economic outcome for the company and a fair outcome for the customer.

• Highly Logical & Quantitative — You have a natural ability to think in terms of numbers, probabilities and systems. You are driven by data, not assumptions.

• Rapid Learner — You are energized by new challenges and can quickly master new analytical techniques and the specific nuances of the title loan and collections business.

• High Level of Ownership — A proactive, founder mentality. You do not wait to be told which analysis to run.

• Elite Communication Skills — A strong command of English is essential, as you will report to foreign management, and professional Thai is required to work effectively with collection teams, branches and external agencies. You must be able to distil complex quantitative analysis into clear, concise insight for senior leadership.

• Low Ego, High Impact — You are a collaborative team player focused on driving results and protecting the company's assets.

Additional

Requirements

This role is based full-time at our Headquarters in Greater Bangkok — Pak Kret.

• Commitment to Excellence — We need hard workers. We believe that building anything great requires a level of focus and dedication that is incompatible with a conventional "work-life balance". We explicitly reject this mindset because it does not lead to extraordinary outcomes. This is a role for those who are passionate about their work and are willing to dedicate the long hours required for deep, impactful analysis.

Compensation and BenefitsYour actual level and base salary will be determined on a case-by-case basis and may vary based on job-related knowledge, skills and experience. The base salary is just one part of your total rewards package. You will also receive access to comprehensive benefits, paid leave and other company perks, which will be discussed during the interview process.

Equal Opportunity EmployerOur company is an Equal Opportunity Employer; employment is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, religion, gender, disability status, age, sexual orientation, gender identity, or any other legally protected status.