Role
Senior Collections and Recoveries Analyst. Reports to Head of Collections Strategy. Team Size: 6. Contract Type: Permanent. Location: Nottingham.
Role summary
Oakbrook is a growing, data-driven lender where analysts have real influence — working directly with senior stakeholders and contributing to decisions that shape portfolio performance.
This role sits within the Collections Strategy team and leads on the optimisation and execution of Oakbrook's debt sale programme, working across the full cycle from portfolio selection and segmentation through to post-sale performance tracking and stakeholder management. Alongside this, the role offers opportunities to develop and deploy collections and recoveries strategies earlier in the account journey.
The successful candidate will bring strong analytical capability, a curiosity to challenge existing approaches, and a clear drive to deliver financial results.
Responsibilities
* Debt sale optimisation and execution – own the end-to-end debt sale cycle including portfolio selection and segmentation, pricing and valuation analysis, post-sale performance tracking and learning loops to continuously improve future outcomes.
* Identify opportunities to improve portfolio performance and customer outcomes through strategy optimisation and innovation, including automation and AI where they deliver measurable benefits.
* Design and deploy collections and recoveries strategies to improve cure rates within a champion / challenger framework, including model building and customer treatment path design.
* Build compelling stories with data that clearly explain opportunities with insight, recommendations, expected impacts and risks tailored to senior stakeholders.
* Ensure regulatory guidance and rulesets are reflected in strategy design and ongoing optimisation, escalating risks as required.
* Produce clear, accurate and timely MI to monitor portfolio performance vs objectives and budgets, covering departmental use, executive reporting and committee packs.
* Work closely with Credit Risk, Data Science, Responsible Lending, Operations and Product Owners to align approaches, shape requirements, and deliver the Collections change roadmap.
* Support effective data governance and documentation, ensuring strategy and MI outputs are well-controlled and audit ready.
* Timely and well-executed debt sales with documented learnings feeding into future sales.
* Measurable improvement in debt sale proceeds through pre-sale strategy, segment optimisation and pricing analysis.
* A pipeline of prioritised strategy opportunities (with quantified impact sizing) feeding into the Collections roadmap.
* High-quality MI and insight packs that clearly track debt sale and recoveries outcomes, explain drivers, and recommend actions for approval forums.
Qualifications
* Degree level education in a relevant subject (e.g. mathematics, economics, data science, business, finance).
* 3+ years’ experience in an analytics role (ideally within financial services), with evidence of improving outcomes through strategy optimisation.
Skills
Technical
* Strong analytical capability with hands-on experience in SQL.
* Proficiency in data manipulation and analysis in Python or R is beneficial.
* Data visualisation and dashboard creation, with Power BI or other tools, is beneficial.
* Experience using AI tools to drive business benefit is beneficial.
Non-Technical
* Highly motivated with a clear drive to deliver measurable results – comfortable owning outcomes, not just producing analysis.
* Naturally curious with a willingness to challenge existing approaches and propose better alternatives, backed by evidence.
* Understanding of collections strategies, operational levers, and forbearance tools
* Customer-first mindset, ensuring strategies deliver fair and appropriate outcomes.
* Knowledge of UK consumer credit regulation / legislation and the need to evidence good customer outcomes.
* Strong communication and presentation skills; able to clearly explain complex analysis, strategy proposals and trade-offs to senior stakeholders.
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