Data Analyst, Collections & Delinquency
Full-time 3050 - 3900 USD per-year-salaryJob Overview
Pura Vida is more than a slogan; it’s the peace of mind we provide our solar customers and the culture we are building together in San José and around the globe. Come join us!
We are seeking a data-driven and analytical thinker to serve as our Collections & Delinquency Data Analyst. In this role, you will analyze portfolio performance data to identify trends in customer delinquencies, optimize collection strategies, and mitigate financial risk.
Because solar financing involves complex long-term assets (Leases, PPAs, and Loans), you will play a critical role in connecting customer payment behaviors with operational variables, such as system performance, billing cycles, and regional utility changes. The ideal candidate will turn complex data sets into actionable workflows that help us improve the efficacy of our billing and collections efforts while maintaining an excellent customer experience.
Pura Vida is more than a slogan; it’s the peace of mind we provide our solar customers and the culture we are building together in San José and around the globe. Come join us!
We are seeking a data-driven and analytical thinker to serve as our Collections & Delinquency Data Analyst. In this role, you will analyze portfolio performance data to identify trends in customer delinquencies, optimize collection strategies, and mitigate financial risk.
Because solar financing involves complex long-term assets (Leases, PPAs, and Loans), you will play a critical role in connecting customer payment behaviors with operational variables, such as system performance, billing cycles, and regional utility changes. The ideal candidate will turn complex data sets into actionable workflows that help us improve the efficacy of our billing and collections efforts while maintaining an excellent customer experience.
What You'll Do
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Monitor and analyze daily, weekly, and monthly delinquency trends (30/60/90+ days past due).
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Segment the aging portfolio by financing product type (PPA, Lease, Loan), geographic region, utility territory, and customer credit tier (FICO score at underwriting) to identify pockets of risk.
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Develop predictive models to identify "high-risk" accounts early in the delinquency cycle (early-stage roll rates).
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Develop predictive analyses that provide cure confidence based on customer, system health, and maintenance inputs as well as the cure value based on lease and incentive value.
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Leverage Automated and AI agents and tools to drive insightful analyses and novel ways to highlight actionable data.
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Design, test, and optimize collections strategies (e.g., timing of automated SMS/emails vs. manual phone calls).
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Create and manage daily/weekly operational queues and calling lists for the collections team to maximize recovery rates.
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Analyze the cost-benefit of various recovery methods, including payment plans, automated clearing house (ACH) setups, and UCC-1 fixture filing legal actions.
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Asset Performance Linking: Partner with the Operations & Maintenance (O&M) data team to cross-reference delinquent accounts with underproducing or offline solar systems. (Identify customers withholding payment due to system performance issues).
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PTO (Permission to Operate) Analysis: Track delinquency spikes tied to the transition period between solar installation and utility activation.
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Build, maintain, and automate interactive dashboards (via Power BI or Tableau) tracking key performance metrics like Bad Debt Expense, Roll Rates, and Days Sales Outstanding (DSO).
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Present findings and performance forecasting to Executive Finance and Risk leadership.
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Maintain clean data pipelines between the CRM (e.g., Salesforce), loan servicing platforms, and data warehouses.
1. Portfolio Analysis & Risk Modeling
2. Operational Collections Support & Strategy
3. Solar-Specific Cross-Functional Analysis
4. Reporting & Data Governance
Who You Are
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Root-Cause Mentality: You have an obsession with digging past the surface level to understand why a customer isn't paying.
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Communication: You possess the ability to translate complex data tables into clear, actionable stories for non-technical collections staff and executives.
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Empathy & Ethics: You understand the compliance boundaries of collections (FDCPA regulations) while keeping customer preservation in mind.
Experience You’ll Need
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Data Experience: 2–4+ years as a Data Analyst, specifically within consumer collections, credit risk, or loan servicing.
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Education: Bachelor’s degree in Data Analytics, Finance, Economics, Statistics, or a related quantitative field.
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SQL: Advanced proficiency -- must be able to confidently write complex queries, joins, and aggregations to extract data from data warehouses (Snowflake, Redshift, etc.).
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BI Tools: Strong experience building production-level dashboards in Sigma or other tools, leveraging AI
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Excel: Advanced modeling skills (VLOOKUP/XLOOKUP, Pivot Tables, Power Query, macro awareness).
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AI Agents: Experience utilizing Claude, Gemini, Copilot and other AI analysis tools to model and automate insights.
Experience That’s a Plus
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Python/R: Experience utilizing Python (Pandas, NumPy) for predictive data modeling and automation is a major plus.
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Solar/Renewable Energy Experience: Understanding of solar-specific billing models (fixed monthly vs. per-kWh production billing) is highly advantageous.
Logistics
- Our office is in Escazú Village in San José
- For this role, you will be in the office 3+ days per week
- We plan to have this role start around mid-September
- We are unable to provide sponsorship for this role, now or in the future
Work-Life & Culture
- Culture of Growth: A collaborative environment with mentorship and opportunities for career advancement.
- Inclusive Community: Global affinity groups, supportive policies, and a commitment to diversity, equity, and inclusion.
- We are a passionate, mission driven team that believes in collaboration, mutual respect and trust. For examples, come Discover our Story!
Grow with Us
- We mentor and invest in our employees and prioritize them for future opportunities. Check out our Instagram reels to see a few career journey examples, or this Omnidian Career Experience overview on YouTube.
- We’re a fast-scaling growth company, which means we’re constantly reinventing processes, adding new products, and asking people to use all of their skills and talents. That means there’s going to be a lot of opportunities for you to grow, which also means you will likely be stretched in ways you’ve never experienced in a job before. If you are resilient, determined, and not afraid of a big challenge, come apply.
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