Director, Risk Analytics, Data Science

**Who we are**:
Financeit is a point-of-sale financing provider serving some of the largest home improvement and retail organizations in Canada.

Our platform helps businesses close more sales by offering customers affordable monthly payment options for their next big home improvement, vehicle or retail purchase.

We are small enough that you can make an impact within the company and large enough to make an impact in the market.

Financeit is a company where collaboration, inclusivity, fairness, and respect aren’t just ideas that get talked about, but are part of who we are. If such a workplace intrigues you, we hope you’ll join us.

**About the role**:
Do you thrive on solving complex problems with data and technology, and are intrigued by understanding how channel partner decisions shape lending outcomes? Are you curious about the intersection of indirect lending, consumer finance, capital markets and fintechs, and excited to lead a team that tackles big challenges head-on?

If you’re ready to take your strategic thinking, advanced analytics expertise, and leadership skills to the next level and make your mark on a rapidly growing organization, we want to talk to you

As the Director of Risk Analytics, Data Science & Reporting, reporting to the VP of Risk Strategy, Modeling & Analytics, you’ll lead a team of analysts and data scientists while also rolling up your sleeves, as necessary, to deliver high-impact results. From building predictive models and actionable insights to preparing reports for the Board of Directors, you’ll balance strategy and execution to manage and mitigate risk across the business.

If the idea of diving into predictive modeling, responding to urgent leadership requests, and crafting insights for executives excites you and you have the humility, collaboration skills, and world-class communication abilities to back it up, then this is your role. Oh, and yes, being fun matters. A lot.

**What you’ll do**

Team Leadership:

- Lead the Risk Analytics, Data Science & Reporting team, setting both the long-term strategy and daily priorities to consistently drive progress while safeguarding the business.
- Lead, coach, and mentor a team of high-performing analysts and future leaders, fostering a culture built on principles of quality, service, drive and continuous improvement.

Forecasting and Modeling:

- Build, maintain, and continuously improve precise forecasting models (e.g., stock-flow, econometric) and risk analytics frameworks (e.g., statistical, AI, ML) covering both consumer and small business / channel partner credit and fraud loss.
- Ensure accuracy and reliability in all operational and provisioning models used across various stakeholders.

Risk and Financial Reporting:

- Deliver Risk (e.g., Vintage Performance), Operational (e.g., Collections Performance), Lender (e.g., Portfolio Performance), and Financial (e.g., IFRS) reports to senior management and the Board of Directors, adhering to strict timelines
- Collaborate with cross-functional stakeholders to deliver insights that drive actionable business decisions.

Data Infrastructure and Insight:

- Take ownership of the Risk team’s data, analytics and reporting infrastructure, driving improvements in data quality, automation, and efficiency.
- Continuously identify and implement opportunities to automate data pipelines and reporting processes.

Insight Generation:

- Go beyond surface-level reporting to uncover trends, anomalies, and insights that link data to real-world events and customer behaviours.
- Translate complex findings into compelling stories and actionable recommendations for senior leaders.

Collaboration and Strategic Initiatives:

- Partner with cross-functional teams to proactively identify and deliver analytics that meet business objectives.
- Contribute to strategic projects and initiatives related to risk management and company growth.

**Requirements**:

- Bachelor’s degree in Engineering, Math, Computer Science, Finance, or a related field; advanced degree (e.g., MBA, Master’s in Analytics, CFA, FRM) preferred.
- Minimum of 7 years of experience in analytics, data science, strategy, or risk management with a strong focus on predictive modeling, insights generation, and reporting.
- Proven leadership experience with a demonstrated ability to coach, mentor, and build high-performing, winning teams.
- Expert-level proficiency in AWS, Python, SQL, and BI tools (e.g., Looker).
- Strong ability to build, evaluate, and optimize complex models and visualizations.
- Excellent verbal, written, and visual communication skills with the ability to simplify complex information for diverse audiences.
- Strategic thinker with advanced problem-solving abilities, balancing curiosity with pragmatism.
- Driven, highly organized, outcome-oriented, and capable of managing multiple priorities effectively.
- A “healthy sense of paranoia” for quality, paired with humility and a desire for continuous improvement.
- Energetic a