Analytics Lead (Full Stack, Collections & Recoveries)

• The Collections & Recoveries Analyst will own and drive the collections and recoveries strategy for Affirm Canada, spanning the full post-delinquency lifecycle from early-stage digital and outbound collections through third-party recovery-agency placement and post-charge-off recoveries, partnering closely with Product and Compliance to ensure collections and recoveries practices meet Canadian federal and provincial consumer protection, collections, and privacy requirements
• The analyst will be responsible for owning and driving the collections and recoveries roadmap for the market, quantifying the impact of new collections and recovery initiatives, and monitoring downstream performance
• You will own the full Canadian post-delinquency lifecycle: digital and outbound collections, third-party agency placement, and post-charge-off recoveries
• Collections channel strategy. Own the digital and calling collections mix: comms cadence and sequencing, day-of-week and channel optimisation, outbound calling strategy, and the experiments that prove what drives repayment
• Recoveries Strategy. Own recoveries strategy and performance analytics: recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards
• Strategy and roadmap ownership. Set and iterate the Canadian collections and recoveries strategy across delinquency, roll rates, agency performance, and charge-off / net-after-charge-off outcomes. You will identify, size and drive initiatives to improve collections and recoveries performance
• Initiative design and quantification. Take collections and recoveries initiatives from hypothesis to launch to measured impact: sizing the opportunity up front, developing A/B experiment frameworks, and proving the result afterwards
• Regulatory partnership. Work with Product, Legal and Compliance so that every treatment you design holds up against Canada’s distinctive regulatory landscape: province-by-province collection-agency and consumer protection legislation, Quebec’s separate civil-law regime and consumer credit rules, and federal and provincial privacy laws
• Cross-market leverage. Partner with collections and recoveries teams across other geographies, particularly the US, to drive cross-market leverage
• Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience

Benefits

• Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
• Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
• Supportive Communities: Get involved with our employee resource groups and community groups
• Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
• Generous Time Off: Take the time you need when life happens
• Health Benefits: Get a plan that fits your needs
• Mental Healthcare: Take care of your mind with great mental health programs
• Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
• Away Days: We offer 20 company-wide paid days off—which help our teams collectively pause to recharge
• Learning & Development: Engage in exciting learning programs to level up your growth- The ideal candidate will have a combination of strong analytical expertise with a deep understanding of consumer credit and collections behaviour, and the ability to improve recovery outcomes through data-driven insights, vendor management, and cross-functional stakeholder management
• Intelligence + Humility. Hubris is the fastest way to blow up a business!
• Experience designing or optimising collections and/or recoveries strategies leveraging data, analytics and insights
• Knowledge of collections, recoveries, and delinquency management practices. Familiarity with Canadian consumer protection, collections, and privacy regulations (e.g., provincial consumer protection / collection-agency legislation, PIPEDA) is a plus
• 5-7+ years in credit risk, collections, or recoveries strategy analytics in consumer lending
• Demonstrated ability to interpret credit and collections performance data and translate it into action
• Very strong analytical background with proficiency in SQL, Python, or other scripting languages
• Excellent cross-functional communication and stakeholder management with ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• A passion for finding insights in data and driving change based on those insights