Senior Analyst, Collections

Momentum Financial Services Group; Toronto; Hybrid; CAD 70,000 - 90,000; Full time

Job summary

A financial services firm in Toronto is seeking a Senior Analyst to enhance collections strategies. This role demands strong analytical abilities and experience in customer communications. Candidates should have 4+ years in financial services and a degree in Data Science or a related field. The position offers a hybrid work environment and a comprehensive benefits package.

Benefits

Health and dental plans

Discretionary annual bonus

Tuition assistance and professional development reimbursement

Qualifications

• 4+ years of experience in financial services, preferably in collections or strategy roles.
• Hands-on experience developing customer messaging strategies.
• Working knowledge of collections operations is advantageous.

Responsibilities

• Design and optimize collections communication strategies.
• Apply analytics to assess effectiveness across various channels.
• Develop testing frameworks to refine messaging strategies.

Skills

Strong analytical skills

Hands-on experience with SQL

Experience with Python

Expertise in customer communication strategies

Strong Excel skills

Excellent written communication

Education

Bachelor’s or Master’s degree in Data Science or related field

Tools

SAS

R

Tableau

Power BI

Job description

Who We Are At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities.

From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it.

At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people.

Compensation Philosophy – Our strategy is simple: we aim to match the market. We regularly review industry standards to ensure our total rewards package is competitive and fair.

Discretionary Annual Bonus – Opportunity for a discretionary bonus based on individual and company performance.

Comprehensive Benefits – Health and dental plans with 100% of the premiums covered, plus an Employee Assistance Program for mental well-being and personal support.

Retirement Plans – Robust retirement savings options to help you plan for the future.

Hybrid Work Environment – Flexibility to balance remote work and in-office collaboration. At our head office, enjoy a relaxed environment with breakout rooms and snacks to keep you energized.

Perks and Rewards – Tuition assistance and professional development reimbursement, employee discounts through Perkopolis, and rewards and recognition programs.

The Job: Senior Analyst, Collections This is a high-impact role at the intersection of analytics, strategy, and customer communication. As Senior Analyst, you will design, evaluate, and optimize customer engagement strategies within Collections to reduce losses, improve recovery rates, and deliver customer experiences that reinforce trust—even in challenging financial conversations.

What You’ll Do

• Design, implement, and optimize collections communication strategies to drive improved recovery and reduce delinquency
• Apply advanced analytics to assess effectiveness across channels including email, SMS, outbound call, and IVR
• Partner with data scientists, engineers, product managers, and operations to align strategies with business goals and system capabilities
• Develop and execute A/B and multivariate testing frameworks to refine messaging approaches
• Oversee strategy execution, monitor outcomes, and recommend ongoing improvements
• Translate analytical findings into actionable insights and recommendations for senior leadership
• Ensure compliance with regulatory and legal standards while maintaining a customer-first approach
• Support evolution of collections analytics platforms by embedding communication-specific KPIs and feedback loops

What You’ll Bring to the Table

• Strong analytical skills and hands‑on experience with SQL, Python, SAS, or R
• Expertise in designing and executing customer communication strategies, ideally in collections or servicing contexts
• Familiarity with CRM tools, digital engagement platforms, and customer segmentation methods
• Proven success managing communication strategy lifecycles—ideation, design, execution, monitoring
• Strong Excel and PowerPoint skills, plus experience with visualization tools like Tableau or Power BI
• Excellent written and verbal communication, with ability to distill complex analysis into clear business narratives
• Business acumen with ability to balance customer empathy with financial performance goals
• Self‑driven and autonomous, yet effective in cross‑functional collaboration
• Ability to influence and manage stakeholders in a matrixed environment
• Bonus: knowledge of machine learning applications for contact optimization or NLP in message testing

Education + Experience

Bachelor’s or Master’s degree in Data Science, Mathematics, Statistics, Computer Science, Economics, Marketing Analytics, or a related field

4+ years of experience in financial services, preferably in credit risk, collections, customer communications, or strategy roles

Hands‑on experience developing and testing customer messaging strategies

Working knowledge of collections operations and regulatory frameworks is highly advantageous

Ready to use your analytical expertise to transform collections communications and improve customer outcomes? Apply now and join a team that combines data‑driven insights with customer‑first strategies.

Employment and Verification Information:

• Money Mart will review all submissions, and interview the most qualified candidates based on their knowledge, skills, abilities, and other competencies.
• Candidates who do not meet the requirements, in the recruitment process, for employment will remain classified as applicants and may re‑apply for any future job posting and shall receive equal consideration.
• Only successful applicants will be contacted.
• All resumes will be kept on file for a period of three months.
• Money Mart is committed to protecting the rights of individuals to privacy with regard to the processing of personal data.
• It is necessary for Money Mart to process personal data in the normal and proper conduct of business operations.
• Such processing will be conducted fairly and lawfully in accordance with Canada’s Federal Personal Information Protection and Electronic Documents Act including the ten principles set out in the National Canadian Standards Association: Model Code for the Protection of Personal Information.
• If there is a query regarding the accuracy of your personal data then your query will be dealt with fairly and impartially.
• Money Mart holds data on prospective, current and former candidates, as well as prospective, current and former staff
• This data is held securely in electronic and/or as a paper record.
• The processing of this data is subject to the rules laid down under Canada’s Federal Personal Information Protection and Electronic Documents Act.
• Personal data will only be used for the proper purposes of the employment business.
• The protection of your personal data will be governed by the provisions of Canada’s Federal Personal Information Protection and Electronic Documents Act. Access to your data will be restricted to those personnel to whom it is necessary for proper purposes.

Diversity, Equity and Inclusion

Momentum Financial Services Group (MFSG) integrates questions about diversity, including race and ethnicity, into its job application process to support its commitment to equity, diversity, and inclusion. These questions are designed to collect demographic information for the purpose of analyzing and improving hiring practices, ensuring they are inclusive and equitable. Applicants have the option to disclose their demographic information. Choosing not to provide this information will not affect their application status.