[Hiring] Analytics Lead, Full Stack (Collections & Recoveries) @Affirm

Role Description

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.

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.

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.

What you’ll do

• 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, including 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, including 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. 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 to ensure every treatment designed holds up against Canada's distinctive regulatory landscape.
• Cross-market leverage: Partner with collections and recoveries teams across other geographies, particularly the US, to drive cross-market leverage.

Qualifications

• 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 skills.
• A passion for finding insights in data and driving change based on those insights.
• Intelligence + Humility.

Location

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.

Compensation

• Base Pay Grade: M
• Equity Grade: 5
• CAN base pay range per year: $145,000 - $205,000

Benefits

• Health coverage at no cost: 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup and health and wellness options.
• Time off to recharge: Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) allows you to buy Affirm stock at a discount.

Company Description

Affirm exists for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

The Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy, designing and running experiments to decide which product features to launch and which marketing campaigns to fund.