Senior Analyst, Loss Mitigation Tools & Segmentation

Toronto, Canada

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.

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.

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.

• 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.

• 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.

• 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.

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.

• 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.

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