SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
Salary: CAD 145,000 - 205,000 / annual
Affirm is seeking an Analytics Lead to own and drive the collections and recoveries strategy for Affirm Canada. This role spans the full post-delinquency lifecycle, from early-stage digital and outbound collections through third-party recovery-agency placement and post-charge-off recoveries. You will partner closely with Product and Compliance to ensure all collections and recoveries practices meet Canadian federal and provincial consumer protection, collections, and privacy requirements.
Key responsibilities include:
• Collections Channel Strategy: Own the digital and calling collections mix, including communications cadence and sequencing, day-of-week and channel optimization, outbound calling strategy, and experiments that prove what drives repayment.
• Recoveries Strategy: Own recoveries strategy and performance analytics, including 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. 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 opportunities upfront, developing A/B experiment frameworks, and proving results afterward.
• Regulatory Partnership: Work with Product, Legal, and Compliance to ensure every treatment designed holds up against Canada's distinctive regulatory landscape, including province-by-province collection-agency and consumer protection legislation, Quebec's 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.
The ideal candidate combines strong analytical expertise with deep understanding of consumer credit and collections behavior, and the ability to improve recovery outcomes through data-driven insights, vendor management, and cross-functional stakeholder management.
REQUIREMENTS:
• 5-7+ years in credit risk, collections, or recoveries strategy analytics in consumer lending
• Experience designing or optimizing collections and/or recoveries strategies leveraging data, analytics, and insights
• Very strong analytical background with proficiency in SQL, Python, or other scripting languages
• Demonstrated ability to interpret credit and collections performance data and translate it into action
• 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
• Excellent cross-functional communication and stakeholder management with ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• Passion for finding insights in data and driving change based on those insights
