Senior Manager, Collections & Recoveries Strategy

Location: Toronto

Final date to receive applications:11/05/2026

Address:33 Dundas Street West Job Family Group:

Audit, Risk & Compliance Lead the design, deployment, and optimization of collections and recoveries strategies across the lifecycle using advanced analytics (e.g., SAS, Knowledge ENTERPRISE) and decision engines (FICO TRIAD, FICO Decision Management, CGI Strata). Drive data-led decisions to improve recoveries, reduce losses, and increase operational efficiency.

Design and optimize end-to-end collections strategies (early-stage through recoveries) using decision engines, predictive models, and business rules.

Own the full strategy lifecycle: design, simulation, testing, deployment, and performance monitoring.

Translate business objectives (risk, profitability, customer outcomes) into effective decision strategies.

Lead change management for strategy updates, including impact analysis, testing, and governance.

Leverage internal and external data (core banking, collections systems, bureaus, agencies, legal vendors) to enhance decisioning.

Partner with Risk, Operations, Technology, and external vendors to deliver and optimize strategies.

Deliver clear, executive-level insights and recommendations grounded in data.

Ensure strategies align with regulatory requirements and risk governance standards.

Qualifications7+ years in collections strategy, risk decisioning, or analytics within financial services.

Hands-on experience with decision engines (FICO TRIAD, FICO DM, CGI Strata, or similar).Strong end-to-end collections expertise, including recoveries.

Solid analytics background with hands-on SQL, SAS, or equivalent.

Proven track record designing, testing, and deploying strategies ong stakeholder management and influencing skills; able to simplify complex concepts.

Good understanding of risk management, portfolio economics, and regulatory rPreferred Experience We recognize that strong candidates may bring expertise from different areas of the collections and recoveries lifecycle. We are seeking candidates with experience in one or more of the following areas:

Developing and deploying decision-driven segmentation, treatment, prioritization, contact, or recovery strategies within either early-stage collections, delinquency management, or late-stage recoveries, including the use of testing and analytics to optimize performance.

Designing, implementing, and monitoring loss mitigation, payment assistance, or customer treatment programs.

Optimizing recovery performance through placement strategies, vendor management, legal recoveries, settlements, bankruptcy, insolvency, or debt sale programs.

Managing third-party vendor and agency relationships, including performance scorecards, governance frameworks, and accountability measures.

Developing business cases, strategic plans, and executive recommendations supported by data and analytics.

Leveraging analytical tools such as SQL, SAS, Python, Power BI, Tableau, or similar platforms.

Working with decision engines, strategy management platforms, workflow systems, or collections technologies such as FICO DMP, CACS, or equivalent solutions.

Leveraging internal and external data sources to improve strategy effectiveness, customer outcomes, and recovery performance.

What Will Make You Successful Deep expertise in at least one area of the collections or recoveries lifecycle, combined with the curiosity and adaptability to work across adjacent domains.

Ability to balance customer outcomes, operational effectiveness, risk management, and financial performance.

Strong stakeholder management and influencing skills across Operations, Risk, Technology, Finance, Analytics, and external partners.

Comfort navigating ambiguity and helping shape future-state capabilities, processes, and operating…