Analytics Lead, Full Stack (Collections & Recoveries)

About the Position

At Affirm, we exist 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. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently.

About the Role

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.

Responsibilities

• 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, 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 upfront, developing A/B experiment frameworks, and proving the result afterwards.
• Regulatory partnership: Work with Product, Legal, and Compliance to ensure every treatment you design 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.

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 the 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. Hubris is the fastest way to blow up a business!

We Offer

• Location: Remote Canada
• Base Pay Grade: M
• Equity Grade: 5
• Base Pay Range: CAD $145,000 - $205,000 per year
• Benefits:
  • Health coverage at no cost: 100% of premiums for employees and their dependents.
  • Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
  • Time off to recharge: Flexible time off and generous holiday calendars.
  • Own a piece of what you build: Employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

About the Company

Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

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