Credit Risk/Data Analyst

2 weeks ago

Toronto, Ontario, Canada Yamaha Motor Canada Ltd. Full time
Yamaha Motor Corporation ("YMC") is a publicly listed Japanese Corporation in the business of manufacturing and distributing recreational products to dealers and customers around the world. YMC is a Kando creating company; "offering more excitement and a more fulfilling life for people".

Yamaha Motor Canada Ltd ("YMCA") is a subsidiary of YMC, responsible for distributing Yamaha Motor products to Canadian dealers and consumers. YMCA's Vision is to "Create Lifelong Memories by Connecting People through Unique Canadian Outdoor Experiences". YMCA executes its day-to-day activities in reference to its defined values, "Be Inclusive", "Think Customer", "Own it", "Innovate Now", "Trust & Integrity", "Be Agile", and "Drive results".

Yamaha Motor Finance Canada (YMFCA) is the captive finance division of Yamaha Motor Canada, which is focused on providing financial solutions to Yamaha dealers and customers through its Retail and Wholesale finance programs as well as Warranty and insurance offerings.

This position will be responsible for providing analysis, insights, and reporting to drive sustainable growth for the loan portfolio as well as operational effectiveness for YMFCA as a whole.

Leveraging a strong data and analytics background, the Credit Risk & Analytics Analyst will study multiple internal data sources to analyze and report on our loan portfolio in all phases of the lifecycle from lead generation, application, credit decisioning, account management, collections, and customer retention.

Key Duties & Responsibilities

- Develop new credit risk reporting and quality assurance checks as required and provide ad-hoc analysis of portfolio trends. Participate in risk oversight activities and meetings and provide in-depth insights into the drivers behind key risk trends.
- Monitor and analyze the automated credit risk strategy to improve decision-making effectiveness and increase business. Review and enhance the risk segmentation strategy to ensure that loans are approved at the right 'price-to-risk'.
- Manage and execute the design, implementation, pre, and post-campaign analysis for new marketing, sales initiatives, and risk strategies, for example: Collection and retention strategies. Provide analytical and reporting support to various departments of the Finance company.
- Support the compliance group by reviewing and cataloguing relevant laws, regulations, and industry standards. Prepare and maintain documentation for compliance audits and reviews. Monitor changes in regulations and assess their impact on the organization.

Education Requirements and/or Experience Requirements

- Degree/Diploma: B.Math, B.Sc, B.Arts, or University Degree in a STEM field
- Program of Study: Mathematics, Business, Statistics, Economics, Financial Engineering or a related quantitative discipline
- Years of Experience: Minimum 2+ years of relevant work experience
- Type of Experience: Analysis, Reporting, Data Manipulation, Modelling, Forecasting ideally in a retail lending environment

Skills & Abilities

- 2+ years of relevant work experience, preferably in a financial services firm
- Strong coding and working knowledge of SAS and SQL
- Analytical, with a passion for finding insights in data and driving change based on those insights
- Detail-oriented with a strong focus on data accuracy
- Ability to clearly communicate (written and verbal) technical information and ideas

Nice to have:

- Previous experience with SAS Viya
- Previous experience with Power BI, Snowflake, Sigma, Python
- Banking or Captive Finance experience
- A sound understanding of Data Science and Machine Learning would be an asset

Yamaha Motor Canada Ltd. welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.
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