Senior Data Scientist developing production fraud - detection models and investigating attacks. DataVisor provides AI - powered fraud and AML risk software for global enterprises.
About the role
- Analytics Lead owning Affirm Canada's post-delinquency collections and recoveries strategy. Designing experiments, optimizing recovery performance, and partnering with Product, Legal, Compliance, and US teams.
Responsibilities
- 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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