We9re looking for a
Risk Manager, Risk & Analytics to join a collaborative and forward-thinking risk and analytics team that partners closely with senior leaders across the business. In this role, you9ll support the development, implementation, and oversight of credit risk analysis, monitoring, and controls - helping ensure strong portfolio performance and alignment with our risk appetite. Leveraging strong data mining, modeling, and analytical skills, you9ll identify credit risk trends, inform adjudication and collection strategies, and develop forecasting, benchmarking, and reporting insights that support both business strategy and compliance.
What will you be doing?- Data Mining, Modeling, and Analysis
- You will identify, evaluate, review and implement adjudication and collection strategy changes that are aligned with the risk appetite established by Senior Management and approved by the Board.
- By identifying, assessing, and monitoring credit risk trends, you will communicate adherence to authorized risk tolerance parameters and support Senior Management decision-making.
- Using deep analytical expertise, you will be able to properly diagnose, document and report drivers of unexpected changes to portfolio/origination composition and credit performance. Your superior communication skills will shine as you communicate your findings, including future impacts to losses and delinquency, and propose recommendations to Senior Management as required.
- Analyze and make recommendations to improve credit risk decisions around adjudication and collection strategies, along with improvements to existing reports, processes and procedures.
- Contribute to the development of a robust data infrastructure for model development and analytics. Create meaningful analysis leading to credit strategy optimization, including but not limited to customer risk segmentation development that improves the portfolio9s risk-reward profile. Apply expertise and knowledge of financial services to understand profitability and performance drivers and build programs to optimize net financial contribution.
- Forecasting and Reporting
- Build and maintain a standard set of risk and performance reports that evaluate the overall credit risk of the portfolio.
- Monitor and maintain a comprehensive set of reports to identify delinquency and charge off trends at the vintage and segment levels. Apply observations to loss forecasting models to capture current trends and communicate to Senior Management to identify risks and opportunities to the forecast.
- Oversee and conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels.
What experience do you have?- You have 2-4 years of progressively responsible roles in retail and/or financial services credit risk management and analytics coupled with a degree in statistics, math or a related discipline (advanced degree is desired).
- You will have sound knowledge of credit risk/portfolio management procedures and principles and knowledge and practical application of data mining and statistical principles involved in model development.
- Your analytical, data storytelling,and communication skills will be top-notch, coupled with a proven ability to understand complex problems, detect trends, and understand data to develop and formulate solutions.
- Demonstrated experience in identifying, quantifying, managing, and implementing changes to credit risk decisions and underwriting strategies, policies and procedures through the use and application of analytical and problem-solving skills.
- Strong technical knowledge of statistical analysis, modeling techniques and their application in a retail credit risk environment.
- Possess deep understanding of data extraction/mining/modeling tools including SAS, SQL and Databricks.
- Experience with agentic or generative AI is a plus.
We offer a Flexible Work Program that provides you the ability to
work three days onsite per week, from our Mississauga office.
Internal Applicants: please apply through the link and provide written endorsement from your current manager.
$95,795.00 - $112,700.00 CAD (includes base salary and bonus)
We9re committed to attracting and rewarding top talent. Our compensation ranges are thoughtfully designed to reflect market competitiveness, internal equity, and the experience and impact each candidate brings to the role.
At goeasy, we believe transparency fosters trust - and that rewarding performance with fair, competitive pay and meaningful growth opportunities is key to our success.
Should your total compensation expectations fall above the posted range, we still encourage you to apply. If selected for an interview, you9ll have the opportunity to discuss this with our recruitment team, as there may be flexibility based on your background and overall fit. Total compensation includes base salary and bonus.
This posting is for an existing vacancy within our team.
Financial Benefits:- RRSP matching and Employee Share Purchase Plan programs.
- Annual bonus that rewards your hard work and dedication.
- Employee discounts on furniture, electronics, and appliances.
- MAT & PAT leave top-up.
- Expand your financial knowledge through engaging Financial Literacy Learning opportunities.
Health and Lifestyle:- Enjoy company-paid volunteer days to give back to the community.
- Access 24/7 healthcare with Virtual Doctor Appointments.
- Personalize your benefits with a flexible modular benefits package.
- Stay fit and energized with exclusive access to our on-site private gym at our head office.
Employee Perks:- Fuel your growth with the Tuition Assistance Program.
- Double the impact of your generosity with Company Matched Charitable Donations.
- Internal development training programs and platforms including job-specific training, career coaching, leadership excellence, mentorship, and many others.
- Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!
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