- 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 outstanding 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

📌 Analytics Lead (Full Stack, Collections & Recoveries) (Canada)
🏢 Affirm
📍 Canada