Analytics Lead, Full Stack – Collections & Recoveries

🕒 September 16

🇨🇦 Canada – Remote

💵 $145k - $205k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

👻 Ghost score 1%

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Affirm

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

📋 Description

• Own the full Canadian post-delinquency lifecycle: digital and outbound collections, third-party agency placement, and post-charge-off recoveries • Own the digital and calling collections mix, including communications cadence and sequencing, day-of-week and channel optimisation, outbound calling strategy, and repayment experiments • Own recoveries strategy and performance analytics, including recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards • 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 • Take initiatives from hypothesis to launch to measured impact through opportunity sizing, A/B experiment frameworks, and post-launch measurement • Work with Product, Legal, and Compliance to meet Canadian federal and provincial regulatory requirements • 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

🏖️ Benefits

• Monthly stipends for health, wellness and tech spending • 100% subsidized medical coverage, dental and vision for you and your dependents • Flexible time off • Generous holiday calendars • Employee stock purchase plan (ESPP) to buy Affirm stock at a discount • Inclusive interview process and accommodations for candidates with disabilities

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