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Analista de Cobranzas Externas

Location

Chile

Posted

2 days ago

Salary

0

Seniority

Mid Level

Bachelor Degree2 yrs expExperience acceptedSpanishEnglishSQL

Job Description

Analista de Cobranzas Externas

Tenpo

• Gestión y supervisión de agencias Coordinar la operación diaria de las agencias externas de cobranza, asegurando alineación con los objetivos de recuperación y las políticas internas de Soluciones de Pago. • Monitoreo de SLAs y cumplimiento contractual Hacer seguimiento de los indicadores de servicio acordados contractualmente, identificando desviaciones y activando planes de corrección oportunos. • Auditoría de calidad de gestión Evaluar periódicamente la calidad de la gestión realizada por cada agencia, verificando el cumplimiento de protocolos de contacto, scripts y normativa de cobranza. • Diseño y calibración de incentivos Participar en la definición y ajuste de esquemas de incentivos dinámicos para proveedores, alineando la estructura de pago al desempeño real de recuperación. • Reportería y análisis de rendimiento Elaborar reportes periódicos de desempeño por agencia, segmento y cartera, con análisis de causas raíz de brechas y recomendaciones de mejora. • Coordinación regulatoria y control interno Velar por el cumplimiento de la normativa CMF, la ley y los reglamentos de cobranzas y las políticas internas en toda la gestión de terceros, documentando hallazgos y manteniendo trazabilidad de auditorías. • Mejora continua, innovación y desarrollo de proveedores Implementar planes de capacitación y mejora para las agencias, promoviendo la adopción de mejores prácticas de cobranza y atención al cliente. Promover innovación y uso de tecnología, data, IA y omnicanalidad en las agencias.

Job Requirements

  • FORMACIÓN ACADÉMICA Profesional titulado de Ingeniería Comercial, Administración de Empresas, Ingeniería Civil Industrial o carreras afines.
  • EXPERIENCIA CRÍTICA Años mínimos: más de 2 años en roles de cobranza, operaciones o gestión de proveedores en industria financiera o afín. Hitos y vivencias previas requeridas: Coordinación o supervisión de proveedores de cobranza o servicios financieros. Trabajo con SLAs contractuales y elaboración de reportes de desempeño de terceros. Suma puntos: experiencia en fintechs, bancos o empresas de servicios financieros con gestión de cartera morosa. Visión de negocio: comprende cómo la gestión eficiente de agencias externas impacta directamente en el ratio de recupero de cartera y en la reducción de provisiones de riesgo en un neobanco regulado como Tenpo.
  • DOMINIO TÉCNICO Excluyentes: Negociación, comunicación de objetivos y manejo de objeciones. Manejo avanzado de Excel / Google Sheets (tablas dinámicas, VLOOKUP, análisis de datos). Conocimiento de procesos de cobranza extrajudicial y gestión de carteras morosas. Normativa CMF y legal aplicable a gestión de cobranza y terceros. Experiencia en gestión de proveedores o contratos de servicio. Deseables (plus): SQL básico para consulta de bases de datos de cartera. Plataformas de cobranza (Cobros Online, Sinacofi o similares). Looker o Google Suite para seguimiento de KPIs. Inglés intermedio para lectura de documentación técnica.
  • CERTIFICACIONES (deseables) Diplomado o curso en Gestión de Cobranza y Recuperación de Créditos. Certificación en Gestión de Proveedores o Contratos (CIPS o equivalente). Formación en normativa CMF y regulación de cobranza en Chile.
  • IDIOMAS Español: nativo. Inglés: nivel básico a intermedio para lectura de documentación técnica y contractual.

Benefits

  • Presupuesto anual para autogestionar capacitación.
  • Teletrabajo.
  • Día del cumpleaños libre.
  • Medio día cumpleaños hij@s/padres.
  • Viernes cortos (todos los viernes terminamos a las 14 horas).
  • Work from anywhere (¡Trabaja desde donde quieras! Solo recuerda tener una buena conexión a internet).

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