Senior Strategy Analyst – Collections & Loss Mitigation

Momentum-Financial-Services-Group; Toronto; On-site; CAD 90,000 - 120,000; Full time

Benefits offered by this job

Competitive pay

Discretionary annual bonus

Comprehensive benefits

Retirement plans

Hybrid work environment

Perks and rewards

Job summary

Momentum Financial Services Group, based in Toronto, is seeking a Senior Analyst Loss Mitigation Tools & Segmentation. You will design, deploy, and optimize strategies to reduce loan losses while helping customers regain financial stability.

This role sits at the intersection of data science, risk management, and customer experience. You’ll build segmentation logic, manage mitigation programs, and drive measurable improvements in portfolio health, collaborating across IT, Product, Retail, and

Qualifications

• Master’s degree in a quantitative field.
• 4+ years of experience in Financial Services (Collections, Credit Risk, or Loan Servicing Analytics).
• Experience designing segmentation strategies or treatment frameworks using large-scale data.
• Hands-on proficiency in SQL and at least one analytics tool/language (Python, R, or SAS).
• Prior exposure to hardship or loss mitigation programs is a plus.
• Experience with decisioning systems, collections platforms, or customer-management tools is an asset.
• Sigma experience is considered an asset.

Responsibilities

• Build and refine segmentation frameworks to identify customer groups based on risk and hardship signals.
• Integrate predictive analytics to prioritize accounts for loss mitigation treatments.
• Define eligibility criteria, triggers, and performance metrics for mitigation programs.
• Support rollout and optimization of tools such as deferrals, extended repayment options, settlements, and hardship relief programs.
• Partner with IT, Product, Retail, and Compliance to operationalize strategies within decisioning systems.

Skills

Analytical thinking

Data-driven decisions

Communication skills

Education

Master’s degree in Data Science, Finance, ORS, Statistics, CS

Tools

SQL

Python

R

SAS

Job description

Toronto, Canada

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 enable people to access, use, and move their money more freely.

Our culture is built on innovation, collaboration, and a shared purpose to deliver financial inclusion. When you join our team, you’re part of a company that is transforming financial services and making a lasting impact for millions of customers.

Compensation & Benefits

Competitive pay aligned to experience and market value.

Discretionary annual bonus rewarding performance and contribution.

Comprehensive benefits – Medical, dental, vision, and more to support your health and wellbeing.

Retirement plans – Helping you plan and save for the future.

Hybrid work environment – Flexibility that balances in‑office collaboration with remote work.

Perks and rewards – Employee recognition programs, development opportunities, and other perks.

The Job: Senior Analyst Loss Mitigation Tools & Segmentation

Design, deploy, and optimize strategies and tools that reduce loan losses while supporting customers on their path back to financial stability. This role sits at the intersection of data science, risk management, and customer experience—building segmentation logic, managing mitigation programs, and driving measurable impact on portfolio health.

What You’ll Do

• Build and refine segmentation frameworks to identify customer groups based on risk, repayment capacity, and hardship signals.
• Integrate predictive analytics to prioritize accounts for appropriate loss mitigation treatments.
• Define eligibility criteria, triggers, and performance metrics for mitigation programs.
• Support the rollout and optimization of tools such as payment deferrals, extended repayment options, settlements, and hardship relief programs.
• Partner with IT, Product, Retail, and Compliance to operationalize strategies within decisioning systems and customer‑facing experiences.

Performance Monitoring & Optimization

• Design dashboards and reporting to evaluate treatment effectiveness (cure rates, roll rates, re‑default rates, net loss impact).
• Conduct A/B and multivariate testing to refine segmentation and tool performance.
• Recommend and implement improvements to maximize portfolio outcomes and customer success.

Collaboration & Stakeholder Engagement

• Act as a bridge between analytics, operations, and technology to ensure strategies are executable, compliant, and business‑aligned.
• Present clear, data‑driven insights and recommendations to senior leadership.

What You’ll Bring to the Table

Analytical rigor with a problem‑solving mindset.

Strong balance of risk management, customer focus, and business objectives.

Excellent communication skills—able to simplify complex data into actionable strategies.

Resourceful, detail‑oriented, and experienced in managing cross‑functional initiatives.

Ability to thrive in a fast‑paced, evolving environment.

Education + Experience

• Master’s degree in Data Science, Finance, Operations Research, Statistics, Computer Science, or related quantitative discipline.
• 4+ years of experience in Financial Services, focused on Collections, Credit Risk, or Loan Servicing Analytics.
• Proven experience designing segmentation strategies or treatment frameworks using large‑scale data.
• Hands‑on proficiency in SQL and at least one analytical tool/language (Python, R, or SAS).
• Prior exposure to hardship or loss mitigation programs strongly preferred.
• Experience with decisioning systems, collections platforms, or customer‑management tools is an asset.
• Sigma experience is considered an asset.

If you’re ready to use advanced analytics and innovative thinking to reshape collections strategies and improve customer outcomes, we look forward to hearing from you. Apply today.

Diversity, Equity & Inclusion

Momentum Financial Services Group is an equal‑opportunity employer. We welcome applicants from all backgrounds and are committed to fostering an inclusive workplace.