Senior Analyst, Collections

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.

We’ve Got You Covered

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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.

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

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

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

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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.

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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

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Design, implement, and optimize collections communication strategies to drive improved recovery and reduce delinquency

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Apply advanced analytics to assess effectiveness across channels including email, SMS, outbound call, and IVR

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Partner with data scientists, engineers, product managers, and operations to align strategies with business goals and system capabilities

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Develop and execute A/B and multivariate testing frameworks to refine messaging approaches

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Oversee strategy execution, monitor outcomes, and recommend ongoing improvements

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Translate analytical findings into actionable insights and recommendations for senior leadership

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Ensure compliance with regulatory and legal standards while maintaining a customer-first approach

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Support evolution of collections analytics platforms by embedding communication-specific KPIs and feedback loops

What You’ll Bring to the Table

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Strong analytical skills and hands-on experience with SQL, Python, SAS, or R

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Expertise in designing and executing customer communication strategies, ideally in collections or servicing contexts

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Familiarity with CRM tools, digital engagement platforms, and customer segmentation methods

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Proven success managing communication strategy lifecycles—ideation, design, execution, monitoring

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Strong Excel and PowerPoint skills, plus experience with visualization tools like Tableau or Power BI

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Excellent written and verbal communication, with ability to distill complex analysis into clear business narratives

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Business acumen with ability to balance customer empathy with financial performance goals

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Self-driven and autonomous, yet effective in cross-functional collaboration

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Ability to influence and manage stakeholders in a matrixed environment

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Bonus: knowledge of machine learning applications for contact optimization or NLP in message testing

Education + Experience

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

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

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Hands-on experience developing and testing customer messaging strategies

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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.

Please note: The salary range, inclusive of bonus, for this position is between C$ 85,000 - C$ 135,000.

About MFSG – Our Commitment to Responsible Innovation

At MFSG, we are committed to building innovative solutions grounded in ethical, transparent, and responsible use of data and technology. Aligned with the principles outlined in Canada’s Artificial Intelligence and Data Act (AIDA), we take a proactive approach to ensuring that any AI or data-driven systems we use are safe, fair, and accountable.

This posting is for a current position within our organization, offering the opportunity to contribute to meaningful, responsible innovation that supports our employees, clients, and communities.

We prioritize strong data governance, clear communication around how systems work, and safeguards that reduce risks and protect individuals. Our focus is on developing tools and processes that promote equity, reliability, and trust, supported by ongoing monitoring and continuous improvement.

Joining MFSG means contributing to a future-focused organization that values both innovation and integrity, where your work helps shape solutions that responsibly support our employees, clients, and communities.