Risk and Collections Analyst

Intro:

Atlas is the concierge and credit card that unlocks unparalleled access while making spending effortless. In less than 2 years, we organically scaled to millions in revenue —without spending a dollar on advertising. Growing double-digits every month, we are shaping the future of financial services for high-impact individuals. On track to profitability, we’re building a massive and impactful company, and we’re selectively recruiting top talent to help us scale Atlas into the next American Express.

Job Summary:

Atlas is seeking a Risk and Collections Analyst to join our growing team. In this role, you’ll collaborate with our credit, fraud, and collections teams to enhance risk servicing and collections processes–driving impact towards our goals and ensuring a seamless member experience.

Responsibilities:

Your key responsibilities will include, but are not limited to:

• Developing and supporting risk servicing and collection strategies informed by data and insights.

• Managing a portfolio of user accounts, including follow-ups and monitoring aging receivables.

• Communicating directly with users to secure payments and resolve credit concerns.

• Collaborating with users to address outstanding balances, send reminders, and resolve disputes or payment issues.

• Evaluating and determining customer account risk limits, assignments, and releases.

• Identifying insights to improve risk management and collection strategies.

• Monitoring and reporting on risk and collections metrics.

• Partnering with collection agencies to optimize placement strategies.

Requirements:

• Experience:

  • 2+ years in credit and collections, accounts receivable, or a related role, preferably in financial services or fintech.

• Skills:

  • Strong analytical and problem-solving abilities.

  • Proficiency with credit risk management tools and software.

  • Excellent verbal and written communication skills.

  • Intermediate knowledge of Excel, Word, Microsoft Office, and Internet tools.

• Attributes:

  • Highly organized with exceptional attention to detail.

  • Ability to prioritize tasks and manage high volumes of accounts efficiently.

  • Proactive mindset with the ability to identify risks and recommend solutions.

Preferred Qualifications:

• Prior experience working with credit card operations or collections within fintech or financial services.

• Familiarity with regulatory compliance related to credit and collections.

• Knowledge of dispute resolution processes and reconciliation methods.

• Proficiency in database languages (e.g., SQL) and/or data visualization tools (e.g., Metabase, Tableau, Power BI).

Benefits:

• Competitive salary, equity, and 401K.

• Full health benefits (medical, dental, and vision insurance).

• Generous vacation policy and paid company holidays.

• Complimentary Atlas Membership (you'll enjoy next-level dining and travel access).

Compensation:

• Salary range: $57,000–$75,000

• Final compensation will be determined based on experience, education, skill level, and geographic location.

Be part of Atlas’s journey to redefine financial services for influential individuals while building a rewarding career in an innovative and fast-paced environment!