Collections Analyst

Job Details Job Location: Mercury Financial LLC – Delaware Location – Wilmington, DE 19801 Company Overview When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being. Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private‑label credit and general‑purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non‑prime financial organizations with multiple financing and service programs. Work Culture We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact. Position Summary We are seeking a highly analytical Collections Analyst to support our Credit Card Collections Operations team. This role is responsible for translating complex business requirements into actionable data insights that directly influence collections strategy, risk management, and profitability outcomes. The ideal candidate combines strong analytical and coding skills with a solid understanding of credit risk dynamics and financial performance. This individual will independently extract and analyze data to inform strategy decisions, measure test versus control experiments, and evaluate the financial impact of collections initiatives. Key Responsibilities Translate complex and sometimes ambiguous business questions into structured analytical frameworks and data queries Independently write, optimize, and validate queries to extract and analyze large datasets Develop insights that support collections strategy, risk mitigation, and profitability optimization Analyze portfolio performance, roll rates, recoveries, and other key risk indicators to inform financial decision‑making Measure and monitor test versus control experiments to evaluate treatment effectiveness and financial impact Build recurring and ad‑hoc reporting to monitor key operational, risk, and financial metrics Clearly communicate analytical findings and recommendations to leadership stakeholders Ensure data integrity, accuracy, and consistency across reporting and analysis Qualifications Moderate experience in credit card collections, consumer credit risk, or related financial operations Strong analytical and quantitative problem‑solving skills Demonstrated ability to independently code and build complex queries (e.g., SQL or similar tools) Working knowledge of credit risk concepts, portfolio performance metrics, and financial drivers of profitability Experience supporting strategy decisions through structured analysis Ability to manage multiple priorities independently in a fast‑paced environment Education Strong preference for a degree in Mathematics, Statistics, Finance, Economics, or a related quantitative field Preferred Characteristics Intellectually curious with a desire to understand both the operational and financial “why” behind performance Strong financial acumen and comfort discussing risk, return, and trade‑offs Detail‑oriented and disciplined in analytical rigor Self‑motivated, accountable, and willing to take ownership of work Clear communicator who can translate complex analysis into actionable insights Benefits Generous PTO and holiday schedule 401(k) with company match Employee stock purchase plan Ongoing training (lunch & learns, financial and health webinars) Team volunteer outings Other Office Locations Atlanta, GA – Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA. Austin, TX – Situated in The Domain, a vibrant tech hub with park‑like surroundings, top restaurants, and convenient parking, perfect for post‑work socializing. Equal Opportunity Statement Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status. Additional Notes Applicants must be authorized to work in the U.S. We do not sponsor employment visas. Hiring for our Wilmington, DE/Austin, TX office will be processed through Mercury Financial, a brand of Atlanticus. #J-18808-Ljbffr MERCURY FINANCIAL LLC