Manager/Senior Manager, Collections & Recoveries Strategy

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KOHO

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2014

💳 Fintech

🛍️ eCommerce

🏦 Banking

Fintech • eCommerce • Banking

KOHO is a financial technology company that provides Canadians with tools to manage their money effectively and enhance their lifestyle. Offering a single platform, KOHO allows users to spend smarter with a prepaid Mastercard that offers up to 5% cash back, grow their savings with competitive interest rates, facilitate borrowing with easy cash advances, and build credit history. The app also features budgeting tools, payment splitting, and various customizable plans to suit individual needs, emphasizing convenience and financial wellness for its users.

📋 Description

• Own the monitoring and analysis of KOHO's delinquency and loss trends across all lending products — roll rates, cure rates, vintage performance, and charge-off trajectories • Build and maintain dashboards and reporting frameworks that give leadership real-time visibility into portfolio health and collections performance • Identify early warning signals of credit deterioration and propose proactive intervention strategies • Define and track the KPIs that matter: right-party contact rate, promise-to-pay rate, promise-to-pay kept rate, gross collections rate by delinquency stage, cost-per-dollar-collected, and post-charge-off recovery rates • Design and continuously optimize KOHO's contact strategy across the full delinquency lifecycle • Develop customer segmentation models to tailor treatment strategies based on delinquency stage, customer risk profile, payment behaviour history, and responsiveness • Partner with Product and Engineering to build or enhance in-app and digital nudges that encourage repayment before accounts reach critical delinquency stages • Ensure all contact strategies comply with applicable regulations • Design payment arrangement programs — including hardship plans, instalment options, fee suppression, and settlement / partial forgiveness offers • Lead the strategy of KOHO's third-party collections partners (BPOs) • Develop the strategy for post-charge-off debt recovery, including internal recovery, third-party debt placement, and debt sale decisions • Collaborate with Credit Strategy on the policy framework for re-qualifying defaulted customers for new credit products

🎯 Requirements

• 3–5+ years of experience in collections strategy, recoveries, or credit risk management at a consumer lender, bank, fintech, or credit card company • Deep knowledge of the consumer collections lifecycle — from early delinquency through charge-off, third-party placement, and recovery • Hands-on experience designing contact strategies, payment arrangement programs, and/or settlement frameworks • Experience working with BPO vendors, including setting performance standards • Strong analytical skills — comfortable building financial models, cohort analyses, and cost-benefit frameworks; SQL proficiency is highly valued • Familiarity with Canadian consumer protection and debt collection regulations • Excellent communication skills; able to translate analytical findings into operational recommendations and present to senior leadership.

🏖️ Benefits

• Competitive compensation & equity • Generous vacation + Wellness days + Flex Days + holiday closure • Remote-first environment + coworking support + yearly all hands retreat • Access to coaching & growth programs • Parental top-up & leave policies • Comprehensive health benefits • Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development