Financial Inclusion Jobs in Toronto, ON (NOW HIRING)

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.

• Compensation Philosophy - 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.

You will design customer treatment strategies, define eligibility for loss mitigation programs, evaluate strategy performance, and partner with Product, Operations, Technology and Risk to implement new capabilities. This role combines strategic thinking, quantitative analysis, and business ownership to influence millions of dollars in portfolio performance.

Strategy Design & Segmentation

• Build and refine segmentation frameworks that identify and target customer groups based on risk, behavior, repayment capacity, and hardship signals.
• Integrate predictive analytics to prioritize accounts for appropriate mitigation treatments.
• Define eligibility criteria, trigger logic, and outcome metrics for loss mitigation solutions

Loss Mitigation Tool Development

• Own the design, implementation, and optimization of loss mitigation strategies across the collections lifecycle.
• Payment deferral plans
• Extended repayment options
• Settlement offers
• Hardship relief programs
• Partner with IT, Product, Retail, and Legal/Compliance to translate strategies into decisioning systems and customer-facing solutions.

Performance Monitoring & Optimization

• Own portfolio performance monitoring and identify strategic opportunities to improve recoveries while balancing customer outcomes and operational efficiency. (e.g., cure rates, roll rates, re-default rates, net loss impact).
• Run A/B and multivariate testing on segmentation and tool performance.
• Identify opportunities for continuous improvement and propose tactical or systemic enhancements.

Collaboration & Stakeholder Engagement

• 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.

• Bachelor's degree or higher in a quantitative field such as Data Science, Finance, Operations Research, Statistics, Computer Science, or a related quantitative field.

• 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'd love to hear from you. Apply today and help build smarter, more empathetic loss mitigation solutions.

#SJ