Analytics Lead, Full Stack (Collections & Recoveries)

Responsibilities

• You will 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: 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. You will 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 so that every treatment you design holds up against Canada's distinctive regulatory landscape: province-by-province collection-agency and consumer protection legislation, Quebec's separate civil-law regime and consumer credit rules, and federal and…
• Cross-market leverage.

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