Overview
This role is part of the Risk & Analytics team and involves owning and driving the collections and recoveries strategy for Canada across the full post-delinquency lifecycle. You will partner closely with Product and Compliance to ensure collections and recoveries practices meet Canadian federal and provincial consumer protection, collections, and privacy requirements.
Responsibilities
- Own the full Canadian post-delinquency lifecycle, including:
- Digital and outbound collections
- Third-party agency placement
- Post-charge-off recoveries
- Collections channel strategy:
- Own the digital and calling collections mix, including comms cadence and sequencing, day-of-week and channel optimization, outbound calling strategy, and experiments to prove what drives repayment
- Recoveries strategy and performance analytics:
- Own recoveries strategy and performance analytics such as recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards
- Strategy and roadmap ownership:
- Set and iterate 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:
- Move initiatives from hypothesis to launch to measured impact, including sizing the opportunity upfront, developing A/B experiment frameworks, and proving results afterward
- Regulatory partnership:
- Work with Product, Legal, and Compliance to ensure treatments align with Canada’s regulatory landscape, including 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
Requirements
- 5-7+ years in credit risk, collections, or recoveries strategy analytics in consumer lending
- Experience designing or optimizing collections and/or recoveries strategies using data, analytics, and insights
- 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 explain findings and recommendations clearly to both technical and non-technical audiences
- Passion for finding insights in data and driving change based on those insights
Preferred Qualifications
- Familiarity with Canadian consumer protection, collections, and privacy regulations (e.g., provincial consumer protection / collection-agency legislation, PIPEDA)
Compensation & Benefits
- CAN base pay range per year: $145,000 - $205,000
- Pay structure details:
- Base pay is part of a total compensation package that may include monthly stipends for health, wellness, and tech spending, and benefits (including 100% subsidized medical coverage, dental, and vision for you and your dependents)
- Eligible for equity rewards offered by the parent company
- Employees new to the organization typically come in at the start of the pay range.
Location
Remote Canada
This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan.
Some positions may occasionally require in-person work at an office, and a few may be office-based due to the nature of the work. All new hires are invited to attend an in-person onboarding experience.
For positions based in San Francisco or Los Angeles: qualified applicants with arrest and conviction records are considered as required by law.
Additional Information
The interview process includes accommodations for candidates with disabilities.