Senior Analyst, Loss Mitigation Tools & Segmentation

Momentum Financial Services Group; Toronto; Hybrid; CAD 80,000 - 100,000; Full time

Job summary

A leading financial services company in Toronto is seeking a Senior Analyst for Loss Mitigation Tools & Segmentation. In this role, you will design and optimize strategies to reduce loan losses and support customers. The ideal candidate has a Master’s degree, 4+ years of experience in Financial Services, and hands-on proficiency in SQL and analytical tools. This position offers competitive pay and a hybrid work environment.

Benefits

Competitive pay

Discretionary annual bonus

Comprehensive benefits

Retirement plans

Employee recognition programs

Qualifications

• 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 using large-scale data.
• Hands-on proficiency in SQL and at least one analytical tool/language.
• Prior exposure to hardship or loss mitigation programs strongly preferred.

Responsibilities

• Design strategies and tools that reduce loan losses while supporting customers.
• Build and refine segmentation frameworks to identify customer groups based on risk.
• Integrate predictive analytics to prioritize accounts for appropriate treatments.
• Support rollout and optimization of loss mitigation tools.
• Design dashboards to evaluate treatment effectiveness.

Skills

Analytical rigor

Strong communication skills

Problem-solving mindset

Attention to detail

Resourcefulness

Education

Master’s degree in Data Science or related field

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 Philosophy – 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

As a Senior Analyst, Loss Mitigation Tools & Segmentation, you will 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.

If you’re ready to use advanced analytics and innovative thinking to reshape collections strategies and improve customer outcomes, we’d love to hear from you. Apply today and help build smarter, more empathetic loss mitigation solutions.

#SJ

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.

Please be informed that your application to this job offer will trigger some processing of your personal data by the recruiting company, the data controller. Greenhouse, the data processor, has no control over such personal data processing. For more information on these personal data processing, please refer to the recruiting company’s privacy policy.

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.

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