Manager / Senior Manager, Collections & Recoveries Strategy

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Manager / Senior Manager, Collections & Recoveries Strategy based in Canada. This is a high-impact strategic opportunity to build and lead a modern collections and recoveries function within a fast-growing financial services environment. You will shape the end-to-end collections strategy across a lending portfolio, balancing portfolio performance with a customer‑first approach. Working at the intersection of analytics, operations, product, and risk, you will design innovative recovery programs, optimize customer engagement strategies, and develop data‑driven decision frameworks. This role offers the opportunity to influence business‑wide decisions while improving customer outcomes during financially sensitive moments. If you thrive in analytical, fast‑paced environments and enjoy creating scalable solutions from the ground up, this role offers exceptional ownership and long‑term impact. Accountabilities

Develop and continuously optimize the end‑to‑end collections and recoveries strategy across the lending portfolio, from early‑stage delinquency through post‑charge‑off recovery and customer rehabilitation. Monitor portfolio performance by analyzing delinquency trends, roll rates, cure rates, recovery performance, and other key collections metrics while creating dashboards and reporting frameworks for leadership. Design customer contact strategies across multiple communication channels, leveraging segmentation models to personalise engagement based on customer risk profiles and payment behaviour. Build payment assistance programs, hardship plans, settlement frameworks, and recovery strategies that balance financial performance with positive customer experiences. Create financial models to evaluate recovery strategies, treatment effectiveness, expected recoveries, and long‑term portfolio value. Lead the strategic management of third‑party collections partners by defining service models, performance standards, compliance expectations, and operational scorecards. Develop post‑charge‑off recovery programmes and customer rehabilitation strategies that support responsible re‑engagement with lending products. Collaborate closely with Product, Engineering, Operations, Credit Strategy, and Risk teams to implement scalable collections processes while ensuring compliance with Canadian regulatory requirements. Requirements

3–5+ years of experience in collections strategy, recoveries, credit risk, or a related function within a bank, fintech, consumer lender, or credit card organisation. Strong understanding of the full consumer collections lifecycle, including delinquency management, charge‑offs, recoveries, third‑party collections, and rehabilitation strategies. Proven experience designing collections contact strategies, payment programmes, settlement frameworks, or customer recovery initiatives. Experience managing or collaborating with outsourced collections partners (BPOs) and defining operational performance standards. Strong analytical capabilities with experience building financial models, cohort analyses, business cases, and performance reporting; SQL proficiency is highly desirable. Knowledge of Canadian consumer lending regulations and debt collection compliance requirements. Excellent communication and stakeholder management skills with the ability to translate complex analysis into clear business recommendations. Experience building new collections capabilities, working in high‑growth environments, knowledge of IFRS 9, digital‑first collections strategies, or financial hardship programmes would be considered strong assets. Benefits

Competitive salary ranging from

$110,000 to $170,000 CAD , based on experience, skills, and internal equity. Equity participation opportunities. Fully remote‑first work environment with flexible working hours and coworking support. Generous vacation allowance, wellness days, flex days, and company holiday closures. Comprehensive health benefits. Parental leave top‑up and supportive family leave policies. Annual budgets for home office equipment, books, AI tools, phone, internet, and professional development. Access to coaching programmes, career development resources, and company‑wide retreats.

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