Your role in our mission

The successful candidate will join Prosper’s Collections & Recoveries Department. The team leverages advanced analytics tools, cutting edge data and techniques to develop collection and recovery strategies for Prosper’s Personal Loan and Credit Card product to improve collections effectiveness, efficiency and customer experience. An ideal candidate should have strong hands-on analytical skills and a passion for solving problems in innovative and effective ways.  The faster and more agile strategies keep our marketplace competitive and ensure that we continue to deliver on our mission of advancing financial well-being.

• Conduct analysis and deliver analytical insights to enable and optimize the end-to-end collection and recovery strategies by using data, machine learning models and advanced analytics tools. 
• Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to key stakeholders within Collections and Recoveries as well as across the broader Prosper community.
• Bring innovative/out of the box thinking to make recommendations and to approach and solve problems.
• Design A/B tests and understand the risk-return trade-offs.
• Partner with Operations, Risk, Product, Marketing and Engineering teams to implement strategies and monitor strategy performance.
• Continue to innovate by testing new data, analytics approaches and models.
• Conduct ad-hoc analysis related to risk management, investor services, product, and operations.

• Bachelor’s degree in business, Statistics, Mathematics, Computer Science, Engineering or Economics and 5+ years relevant experience OR a Master's degree in above areas with 3+ years relevant experience.
• Experience in collections, marketing or credit risk management in consumer lending industry is a plus.
• Strong analytical and problem-solving skills.
• Experience using machine learning and statistical models to develop strategies.
• Must have strong proficiency in SQL. Knowledge of R, Python, Tableau, Looker and Knowledge Seeker will be a plus.
• Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team.
• Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required.
• Curious to ask questions, probe into reasons and challenge the status quo.
• Self-starter and comfortable dealing with ambiguity.
• Strong ownership and motivation to drive business results.
• Ability to work in a fast-paced environment and meet deadlines without sacrificing quality.

• The opportunity to collaborate with a team of creative, fun, and driven colleagues on products that have an immediate and significant impact on people's lives
• The opportunity to work in a fast-paced environment with experienced industry leaders
• Flexible time off, comprehensive health coverage, competitive salary, paid parental leave, and other wellness benefits
• A bevy of other perks including Udemy access, childcare assistance, pet insurance discounts, legal assistance, and additional discounts through Perkspot
• The ability to work remotely in the United States

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About Us

Founded in 2005, Prosper introduced U.S. consumers to an innovative new approach to personal finance called peer-to-peer lending. Twenty years later, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of products. Prosper’s flagship personal loan marketplace continues to offer a unique value for borrowers and investors alike. Home equity loans and lines of credit through Prosper provide homeowners a range of options and choices for tapping into the equity they’ve worked hard to build. The Prosper® Card supports people seeking access to credit and flexibility in managing their finances. Regardless of the product, Prosper is dedicated to meeting people where they are in their financial journey, in order to advance their financial well-being.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!  

Our Values

Diversity expands opportunities

Collaboration creates better solutions

Curiosity fuels our innovation

Integrity defines all our relationships

Excellence leads to longevity 

Simplicity guides our user experience 

Accountability at all levels drives results

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Applicants have rights under Federal Employment Laws.

Family & Medical Leave Act (FMLA)

Equal Employment Opportunity (EEO)

Employee Polygraph Protection Act (EPPA) 

California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.

At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.

Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.