Analytics Lead, Full Stack – Collections & Recoveries

This is a fully remote position, open to applicants in Canada.

📋 Description

• Take ownership of the entire Canadian post-delinquency lifecycle, encompassing digital and outbound collections, third-party agency placements, and post-charge-off recoveries.

• Manage the digital and calling collections approach, focusing on the cadence and sequencing of communications, optimization of days of the week and channels, outbound calling strategies, and repayment experiments.

• Oversee the recoveries strategy and performance metrics, which include recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards.

• Define and refine the Canadian collections and recoveries strategy covering delinquency, roll rates, agency effectiveness, and charge-off/net-after-charge-off outcomes.

• Identify, evaluate, and implement initiatives aimed at enhancing collections and recoveries performance.

• Drive initiatives from concept through to execution and measured impact, utilizing opportunity sizing, A/B testing frameworks, and post-launch evaluations.

• Collaborate with Product, Legal, and Compliance teams to ensure adherence to Canadian federal and provincial regulatory standards.

• Partner with collections and recoveries teams in other regions, particularly the US, to leverage cross-market opportunities.

⛳️ Requirements

• 5-7+ years of experience in credit risk, collections, or recoveries strategy analytics within the consumer lending sector.

• Proven experience in designing or optimizing collections and/or recoveries strategies using data, analytics, and insights.

• Strong analytical skills with expertise in SQL, Python, or other scripting languages.

• Demonstrated capability to analyze credit and collections performance data and convert it into actionable insights.

• Knowledgeable in collections, recoveries, and delinquency management practices.

• Familiarity with Canadian consumer protection laws, collections, and privacy regulations (e.g., provincial consumer protection/collection-agency legislation, PIPEDA) is advantageous.

• Exceptional cross-functional communication and stakeholder management skills, with the ability to present findings and recommendations to both technical and non-technical audiences clearly.

• A strong passion for deriving insights from data and driving change based on those insights.

• A combination of intelligence and humility.

🏝️ Benefits

• Monthly stipends for health, wellness, and technology expenditures.

• Complete medical coverage, including dental and vision, fully subsidized for you and your dependents.

• Flexible time-off policy.

• Generous holiday schedules.

• Employee stock purchase plan (ESPP) allowing you to purchase Affirm stock at a discounted rate.

• An inclusive interview process with accommodations available for candidates with disabilities.