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The role * This is an exciting opportunity to join a growing Collections Center of Excellence (CCE) team that has developed strong partnerships and working relationships with other key functional areas.   * The Senior Analyst of Digital Collections and Recovery Strategy is a critical role that will develop and execute on go-to-market strategies that deepen digital engagement and improve experiences with SoFi's members, while pursuing enhanced performance across Collections and Recoveries * This individual will serve as the voice of CCE for our Consumer Lending products and technology teams in pursuit of a best in class digital and self-service payment solution. They will make trade-offs across collections and recoveries effectiveness and efficiency while balancing regulatory and reputational considerations * The ideal candidate will possess an analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention.  They bring new ways of thinking, data sources, technologies, and capabilities to SoFi.  They must also bring strong collections industry knowledge, including a sound understanding of relevant regulations like FDCPA, TCPA, FCRA and a working knowledge on the impact of CFPB's Reg F on the collections landscape * Additional responsibilities include establishing Baseline Strategies such as targeting, risk segmentation, contact, and fulfillment, running a series of rapid A/B tests against our largest & most innovative opportunities, and engaging in the Model Risk Management approval process What you'll do: * Lead the design and construction of multi-digital contact channels, digital strategies, and self-service payment solutions that minimize losses and maximize member experience. This will include and require experience in digital outreach, personal messaging, web and app experience, channel segmentation optimization, and digital conversion rates * Optimize the Recovery Channel to provide the best ROI across different segments of post charge-off accounts  * Develop and optimize strategies that balance effectiveness and efficiency through a combination of impact analysis, testing and collaboration with stakeholders * Independently lead the entire project lifecycle for complex data analysis, strategies, and models * Utilize predictive analytics, data science methodologies and custom scoring in the development of outreach strategies through the most appropriate communication channel * Evaluate the effectiveness of current loss mitigation policies, draw conclusions, and exert influence at all levels of the organization * Work with Operations and Technology partners to identify gaps in system/operations process flows to ensure alignment of strategy/intent, execution, policies, state legalities and regulatory guidelines as it relates to contacting delinquent customers What you'll need: * 5+ years of collections and recovery industry experience with a focus in contact strategy, modeling, or risk analytics work experience * High motivation to drive change, eager to learn, and able to work collaboratively in a complex and fluid environment * Expertise in analyzing large datasets using SQL/Python/R and other statistical analysis packages to read test results and deliver on strategies to improve member contact and overall loss prevention * Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes and other 3rd party variables to solve business problems; a demonstrated ability to synthesize and communicate analysis to peers and senior management * A history of success in leading initiatives and driving results through collaboration and hands-on work * Affinity for problem solving and detailed work * Excellent communications skills * Ability to collaborate well with teammates and business partners and influence business decisions Nice to have: * 5+ years of related experience with a Master's or PhD degree * Experience solving data heavy problems * Machine learning experience * A passion for well-tested code and utilizing testing frameworks Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! Pay range: $99,200.00 - $186,000.00 Payment frequency: Annual This role is also eligible for a bonus and competitive benefits. More information about our employee benefits can be found in the link above. SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.