Senior Collections Analyst

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We have a great opportunity for an experienced Collections Analyst to join Evlo’s Credit Risk & Analytics function—driving the performance, insight, and strategic direction of our collections operation. Our lending approach is guided by data, transparency, and responsible decision‑making—supporting customers fairly, even when they’ve faced past financial challenges. This role focuses on analysing collections performance, developing predictive strategies, and collaborating across Operations, Analysis, and partner teams to enhance recoveries while maintaining compliance and delivering good customer outcomes.

Evlo is an established market leader in consumer finance with over 15 years of successful history. Winners of Money Facts Best non‑mainstream lender for the last 5 years, we offer dynamic and exciting growth opportunities for candidates—supported by a superb range of benefits! We pride ourselves in offering an inclusive, supportive workplace where employee satisfaction is key.

Collections Strategy & Analysis

• Lead analysis of collections performance to identify trends, risks, and optimisation opportunities.
• Develop, test, and refine segmentation and treatment strategies that balance commercial goals with fair outcomes.
• Design, monitor and oversee collections KPIs and dashboards, ensuring accurate and timely insight delivery.
• Build predictive and behavioural models to inform decision‑making and improve customer journey outcomes.
• Evaluate and optimise external partner performance (DCAs, debt sale), ensuring regulatory and contractual compliance.
• Partner with Operations, Analysis and Contact Teams to improve agent performance and contact efficiency.
• Provide analytical insights to inform policy design, collections processes, and operational frameworks.
• Support in testing and implementing new systems, tools, and decision engines for collections optimisation.
• Work closely with senior management to deliver insights and recommendations that drive meaningful change.
• Ensure adherence to FCA CONC, Consumer Duty, and vulnerability guidance in all collections activity.
• Support Evlo’s Treating Customers Fairly (TCF) principles through data‑led insights and customer outcome monitoring.
• Proactively identify areas of risk and recommend controls or adjustments to mitigate them.

• Partner with Operations, Analysis and Contact Teams to improve agent performance and contact efficiency.
• Provide analytical insights to inform policy design, collections processes, and operational frameworks.
• Support in testing and implementing new systems, tools, and decision engines for collections optimisation.
• Work closely with senior management to deliver insights and recommendations that drive meaningful change.

• Ensure adherence to FCA CONC, Consumer Duty, and vulnerability guidance in all collections activity.
• Support Evlo’s Treating Customers Fairly (TCF) principles through data‑led insights and customer outcome monitoring.
• Proactively identify areas of risk and recommend controls or adjustments to mitigate them.

You’ll have experience working with collections analytics, preferably from consumer lending with strong Excel skills. Familiarity with Power BI, Tableau or similar tools for performance reporting is essential. With a passion for statistics you will enjoy working with large data sets and presenting actionable insights.

• Annual Bonus scheme
• Private Healthcare for you and your partner
• Life Assurance
• Excellent company pension 3% employee to 8% employer contribution
• 25 days holiday plus Bank Holidays (you can even buy and sell holiday days if needed!)
• Cycle to Work vouchers
• Retail Discounts
• Techsave scheme

At Evlo, employee satisfaction is key, and we are committed to being a great place to work. Evlo has an active Employee Forum led by our Voice Ambassadors, dedicated Mental Health First Aiders, and the opportunity to make a difference in local communities/supporting good causes by utilising up to 3 days’ paid charity/volunteering days per year.

Seniority level: Mid‑Senior level

Employment type: Full‑time

Job function: Accounting / Auditing and Finance