Job Overview
Location
KOHO (CAN)
Job Type
Full-time
Category
Operations
Date Posted
June 30, 2026
Full Job Description
đź“‹ Description
- • Manager or Senior Manager, Collections & Recoveries Strategy at Koho Financial Inc., responsible for building and owning the collections function from the ground up as the company transitions to a full-service bank.
- • Day-to-day responsibilities include owning delinquency and loss analytics, designing contact strategies and customer engagement programs, developing payment arrangement and settlement frameworks, managing BPO and operations partnerships, and leading post-charge-off recovery and customer rehabilitation strategies.
- • Koho Financial Inc. is a mission-driven fintech focused on making financial services better for Canadians through no-hidden-fee products, remote-first work culture, and AI-integrated, lean operations aimed at financially empowering a generation.
- • The role offers the opportunity to shape a customer-centric collections strategy-operations with dignity, while building a function that of financial health and sustainable performance, and long-term value of rehabilitated customers.
🎯 Requirements
- • 3–5+ years of experience in collections strategy, recoveries, or credit risk management at a consumer lender, bank, fintech, or credit card company
- • Deep knowledge of the consumer collections lifecycle — from early delinquency through charge-off, third-party placement, and recovery
- • Hands-on experience designing contact strategies, payment arrangement programs, and/or settlement frameworks
- • Experience working with BPO vendors, including setting performance standards
- • Strong analytical skills — comfortable building financial models, cohort analyses, and cost-benefit frameworks; SQL proficiency is highly valued
- • Familiarity with Canadian consumer protection and debt collection regulations
- • Excellent communication skills; able to translate analytical findings into operational recommendations and present to senior leadership
🏖️ Benefits
- • Budgeted salary range of $110,000 - $170,000 CAD per year
- • Pay transparency and compensation determined by market data, technical skill assessment, work history, and internal pay equity
- • Remote-first work setup with flexible hours and asynchronous collaboration
- • Work-life integration focus, not just work-life balance
- • Opportunity to build a collections function from scratch in a high-growth, AI-integrated fintech transitioning to a full-service bank
- • Mission-driven culture focused on financially empowering Canadians with no hidden fees or predatory rates
Skills & Technologies
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About Koho Financial Inc.
Koho Financial Inc. is a Canadian fintech that offers mobile-first spending and savings accounts paired with a prepaid Visa card. The platform delivers real-time insights, automated savings tools, no-fee everyday banking, cash-back rewards and optional credit-building features. It partners with Peoples Trust Company to hold customer funds and with Visa for card issuance, while operating under its own financial services license. Targeting younger, digital-first consumers, Koho provides transparent pricing, early payroll access and in-app budgeting analytics to promote healthier financial habits without traditional bank overhead or monthly account fees.
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