Analytics Lead, Full Stack (Collections & Recoveries)

About This RoleAI processing…

Key Responsibilities

• 1
  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.
• 2
  Recoveries Strategy. Own recoveries strategy and performance analytics: recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards
• 3
  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.
• 4
  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.
• 5
  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.
• 6
  Cross-market leverage. Partner with collections and recoveries teams across other geographies, particularly the US, to drive cross-market leverage.

Requirements

• 5-7+ years in credit risk, collections, or recoveries strategy analytics in consumer lending.
• Experience designing or optimising 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.
• A passion for finding insights in data and driving change based on those insights.
• Intelligence + Humility. Hubris is the fastest way to blow up a business!

Perks & Benefits