Senior Analyst, Loss Mitigation Tools & Segmentation

Momentum Financial Services Group • Toronto, ON

13d • Hybrid

About The Position

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.

Requirements

• 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).

Nice To Haves

• 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

Responsibilities

• 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.

Benefits

• 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.
• Perks and Rewards – Employee recognition programs, development opportunities, and other perks.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior