This role owns and optimizes the end-to-end debt collection value chain, aligning business objectives, risk controls, and technology solutions. It drives the development of digital collection systems and automation tools using Agile methodologies, while ensuring operational efficiency, compliance, and system stability. The position partners cross-functionally with Risk, IT, Legal, and Operations to enhance performance through data-driven insights and continuous improvement.

EXPERIENCE

• 3-5 years in collections and credit risk management across retail/commercial lending portfolios in banking or financial services;
• Customer engagement through multiple channels (phone, email, SMS, digital) with delinquent accounts;
• Collections technology platforms and contact center systems (auto-dialers, predictive dialers, IVR, call routing);
• Product Owner role in software development projects, preferably in financial services;
• Agile/Scrum methodology including backlog management, sprint planning, and user story creation;
• Requirements translation from business needs to technical specifications;
• Stakeholder management across business, operations, and technology teams;
• Data analytics and reporting using BI tools (Tableau, Power BI, Dataiku), Excel, and SQL;
• Performance dashboards development for collections operations and strategy optimization.

KNOWLEDGE

• Database design principles and data quality validation;
• Auto-dialer optimization (predictive, progressive, preview modes);
• Real-time monitoring, call analytics, and quality assurance dashboards;
• Workflow automation and process optimization;
• Consumer protection laws and fair debt collection practices;
• Agile/Scrum: user stories, backlog prioritization, roadmap development;
• Change management, P&L impact understanding and technology adoption;
• Azerbaijani: Native/full professional proficiency: English: Full professional proficiency: Russian: Professional working proficiency (desirable).

• Customer-Centric Approach: We prioritize understanding our customers' needs, habits, and expectations;
• Multicultural Environment: We value diverse perspectives and encourage inclusivity, openness, and collaboration;
• Competitive Compensation: We offer a competitive salary, health insurance, and an annual performance bonus;
• Growth & Development: We invest in employee growth through clear career paths, personal development plans, and access to online courses and training programs;
• Modern Workplace: Enjoy a comfortable and dynamic office environment;
• Casual Dress Code: Dress comfortably and express your style.

·       Take full ownership of the debt collection value chain, ensuring close alignment between business objectives, risk control requirements, and technological solutions;

·       Drive the development and ongoing enhancement of debt collection systems and digital tools in close collaboration with technology teams;

·       Lead the adoption and integration of intelligent automation and solutions (e.g., automated calling, smart workflows), ensure process uptime throughout the collection lifecycle;

·       Ensure the end-to-end collection framework delivers high levels of system stability, efficiency, and operational excellence;

·       Partner with key internal stakeholders across Risk, Legal, IT, Operations, and Strategy functions to ensure process improvements support broader organizational goals;

·       Establish and maintain continuous feedback mechanisms with users and stakeholders to identify improvement areas, prioritize enhancements, and foster innovation.

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