Analytics Lead, Full Stack (Collections & Recoveries)

Location: Remote Canada; candidates must reside in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan. New hires attend an in-person onboarding experience, and occasional office work may be required for some positions.

Base pay: CAD 145,000–205,000 per year.

Company

Affirm provides transparent consumer financing that allows customers to pay over time without hidden fees.

What you will do

• Own the Canadian post-delinquency lifecycle across digital and outbound collections, third-party agency placement, and post-charge-off recoveries.
• Define collections channel strategy, including communication sequencing, channel optimization, outbound calling, and repayment experiments.
• Own recovery performance analytics covering recovery rates, cost-to-collect, placement mix, liquidation curves, and vendor scorecards.
• Set the Canadian collections and recoveries roadmap across delinquency, roll rates, agency performance, charge-offs, and net-after-charge-off outcomes.
• Design initiatives from hypothesis through launch and measured impact, including opportunity sizing and A/B experiment frameworks.
• Partner with Product, Legal, Compliance, and teams in other markets, particularly the US.

Requirements

• 5–7+ years of experience in credit risk, collections, or recoveries strategy analytics within consumer lending.
• Experience designing or optimizing collections or recoveries strategies using data and analytics.
• Strong analytical skills with proficiency in SQL, Python, or other scripting languages.
• Ability to interpret credit and collections performance data and convert findings into action.
• Knowledge of collections, recoveries, and delinquency management practices.
• Clear communication and stakeholder management skills for technical and non-technical audiences.

Nice to have

• Familiarity with Canadian consumer protection, collections, and privacy regulations, including provincial legislation and PIPEDA.

Culture & Benefits

• Remote-first work environment with flexibility within Canada.
• 100% subsidized medical, dental, and vision coverage for employees and dependents.
• Monthly technology, health, and wellness spending stipends.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan with discounted Affirm stock.

Hiring process

• Inclusive interview process with accommodations available for candidates with disabilities.