Credit Risk Analyst
3 weeks ago
Join one of Canada's most dynamic organizations – welcome to goeasy. We have received numerous accolades, including Waterstone Canada's Most Admired Corporate Cultures, the 2022 Report on Business Women Lead Here, and recognition as one of the best performing companies on the TSX. Our commitment to excellence has also earned us the Greater Toronto Top Employers Award and certification as a Great Place to Work. We are eager to find talented individuals to become part of our team.
Our mission is to empower everyday Canadians with a pathway to a brighter future. As a leading non-prime consumer lender, we provide a comprehensive range of products, including non-prime leasing, unsecured and secured loans, as well as point-of-sale financing through our brands.
goeasy Ltd. is in search of a Risk Analyst with strong analytical skills to deliver data-driven insights in support of our consumer lending operations. You will collaborate with the Senior Manager of Risk and Analytics to establish, implement, and oversee effective risk analysis, monitoring, and controls to ensure robust credit risk management practices, laying the groundwork for sustainable growth. Furthermore, you will conduct detailed analytics to support our leasing operations and work with various departments to fulfill their data needs.
Key Responsibilities:
- Data Analysis and Modeling:
- Perform in-depth analytical investigations to accurately identify, document, and report on the factors influencing unexpected shifts in portfolio composition and credit performance across diverse lending channels, including retail and online.
- Assist leadership in Risk and Analytics by contributing to the development of risk models for origination, account management, and collections.
- Conduct analyses aimed at optimizing credit strategies, including customer risk segmentation to enhance the portfolio's risk-reward balance.
- Monitor, evaluate, and report on key business metrics such as loss rates, approval rates, loan conversion rates, and credit quality for new initiatives and marketing efforts.
- Forecasting and Reporting:
- Maintain a standardized set of risk and performance reports that assess the overall credit risk of the portfolio.
- Track and manage a comprehensive suite of reports to detect delinquency and charge-off trends at various levels. Utilize findings to enhance loss forecasting models and communicate insights to senior management regarding potential risks and opportunities.
- Conduct sensitivity and scenario analyses to evaluate the effects of external factors, policy changes, and operational adjustments on delinquency and charge-off rates.
- Support Risk and Analytics leadership by providing objective evaluations of the risk profile and performance of the consumer lending portfolio, regularly monitoring key risk indicators and conducting periodic credit assessments.
Qualifications:
- Strong understanding of quantitative methodologies, risk models, and analytical tools.
- Proficient in statistical analysis and modeling techniques.
- University degree in Statistics, Mathematics, or a related field (advanced degree preferred).
- Exceptional analytical abilities – capable of dissecting complex issues, identifying trends, and analyzing data to formulate solutions.
- Familiarity with data extraction/mining/modeling tools, including SQL; knowledge of SAS is a plus.
- Ability to convey complex information clearly, tailoring communication to the audience.
- Adaptability to a changing environment with competing priorities and the ability to manage multiple demands within tight deadlines.
We offer a Flexible Work Program that allows you to work three days onsite each week.
Why choose goeasy?
In line with our commitment to enhancing employee experiences, we provide a range of benefits:
Financial Incentives:
- Participate in our RRSP matching and Employee Share Purchase Plan.
- Receive an annual bonus that recognizes your contributions.
- Enjoy employee discounts on various products.
- Benefit from MAT & PAT leave top-up.
- Enhance your financial knowledge through engaging learning opportunities.
Health and Wellness:
- Take advantage of company-sponsored volunteer days.
- Access 24/7 healthcare services with virtual appointments.
- Customize your benefits with a flexible modular package.
- Stay active with exclusive access to our on-site gym.
Employee Development:
- Utilize our Tuition Assistance Program for personal growth.
- Maximize your charitable contributions with company-matched donations.
- Participate in internal training programs for career advancement.
- Enjoy a modern office environment with various amenities.
Diversity and Inclusion:
At goeasy, we believe in fostering a workplace where everyone can thrive. We are dedicated to creating an inclusive culture that values diversity and ensures all employees feel valued and empowered. As an equal opportunity employer, we provide accommodations for applicants upon request throughout the recruitment process.
Additional Information:
All candidates must successfully complete a criminal background check, credit check, and verification of work experience as part of the hiring process. We appreciate the interest of all applicants; however, only those selected for an interview will be contacted.
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