Collections and Payments Analytics Specialist (B2C)

Our client is an established fintech and consumer lending business providing accessible digital credit solutions across Australia, the United Kingdom, the United States, and South Africa. Operating in a regulated financial services environment, they place strong emphasis on responsible lending, credit risk, AML/CFT compliance, fraud prevention, and customer-focused financial services.

Role Overview

Our client is seeking a Collections & Payments Analytics Specialist to improve how they recover payments using data, automation, and modern payment tools. The focus is simple: reduce arrears, improve cash flow, and build smarter, faster ways to collect payments.

This role sits between collections, payment systems, and analytics, with a strong focus on execution, daily performance improvement, and AI driven process optimisation.

Job Type: Full time | Permanent

Location: Cape Town, South Africa

Work Type: Onsite

Requirements

• 3 to 5 years’ experience in collections, credit control, payments, or revenue recovery
• Strong Excel and reporting ability
• Comfortable working with systems, data, and automation tools
• Strong problem solving mindset and ownership of outcomes
• Genuine interest in AI, automation, and emerging technologies
• Knowledge of third party collections systems in the South African market
• Highly independent and self-driven, with the ability to take ownership of projects, identify priorities, and deliver outcomes with minimal supervision
• Experience in fintech, utilities, telecoms, or lending preferred

Tools and Systems Experience

Experience using Salesforce to capture and manage leads, as well as Metabase for reporting, would be advantageous.

Responsibilities

• Manage and improve daily collections performance and arrears tracking
• Build reporting and insights on payment behaviour, risk, and recovery trends
• Design and run targeted collections campaigns based on data
• Improve payment success rates and reduce failed transactions
• Support automation of collections using tools such as chatbots, WhatsApp/SMS, workflow automation, and AI driven tools
• Work with payment systems and providers to improve clearance and routing
• Help reduce reliance on manual/BPO processes by improving in house capability
• Support compliance reporting, audits, and VAT recovery processes
• Identify opportunities to use AI, automation, and analytics to improve collections performance

What success looks like

• Higher recovery rates and reduced arrears
• Improved payment success and fewer failed transactions
• More automated collections processes
• Clear, usable reporting that drives daily decisions