Risk Analyst

If you are looking to join one of Canada’s fastest-growing companies, goeasy Ltd. is the place for you Certified as a **Great Place to Work®**, recognized as **Canada’s Most Admired Corporate Cultures**, **GTA's Top 100 Employers,** one of **Canada’s Top 50 Fintech’s** and **North America’s Most Engaged Workplaces,** we want the best and brightest to join our team.

We are a publicly-traded company on the TSX with over 4000% shareholder return since 2001. Accredited by the Better Business Bureau, goeasy Ltd is a Canadian company that provides non-prime leasing and lending services through easyhome, easyfinancial and LendCare. We offer a wide variety of financial products and services including lease-to-own merchandise, unsecured and secured installment loans, direct-to-consumer auto loans, and point-of-sale financing to over 4,000 merchants in the powersports, automotive, retail, home improvement and health sectors. With over 30 years of experience, our 2200 employees work with our customers to help them get access to the money they need today, while they rebuild their credit and graduate to prime rates. Our omnichannel model includes over 400 retail locations and digital/mobile platforms that enable our customers to transact with us through their channel of choice.

goeasy Ltd. is seeking a** **Risk Analyst** with proven problem-solving abilities to provide analytics expertise in support of easyfinancial, its consumer lending business. The successful applicant will assist the Manager, Risk and Analytics, in developing, implementing and managing the proper and appropriate level of risk analysis, monitoring and controls to ensure sound and consistent credit risk management practices to create the foundation for profitable growth. Additionally, he/she will provide in-depth analytics to support easyhome, the Company’s leasing business, liaising with various business units to meet their data requirements.

**Responsibilities**:
**Data mining, Modelling and Analysis**
- Conduct guided analytical dives to properly diagnose, document and report on the drivers of unexpected changes to portfolio/origination composition and credit performance across multiple lending channels including retail, online lending and alternative. Communicate findings and the future impacts to losses to management
- Assist Risk and Analytics leadership by supporting the development of risk models for the purposes of origination, account management and collections
- Perform analysis leading to credit strategy optimization, including but not limited to customer risk segmentation development that improves the portfolio’s risk-reward profile
- Forecast, track and measure key business metrics including loss rates, approval rates, loan conversion rates, and credit quality for new initiatives and marketing campaigns

**Forecasting and Reporting**
- Maintain a standard set of risk and performance reports that evaluate the overall credit risk of the portfolio
- Conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels
- Assist Risk and Analytics leadership by providing an objective assessment of the risk profile and performance of the easyfinancial portfolio as well as the overall business unit by regularly monitoring key risk indicators, conducting periodic credit reviews, and consistently communicating findings

**Qualifications**:

- Strong knowledge of quantitative methodologies, risk models and tools
- Strong technical knowledge of statistical analysis, modeling techniques
- University Degree in Statistics, Mathematics or a related discipline (advanced degree is desired)
- Superior analytical skills - demonstrated ability to understand complex problems, detect trends, and understand data to develop and formulate solutions
- Possess a solid understanding of data extraction/mining/modeling tools including SAS and SQL
- 1+ year of experience as an analyst or in a similar position
- Able to convey complex information and concepts in understandable terms, tailors message and content to the intended audience
- Flexibility to adapt to an evolving environment with shifting priorities with the capacity to handle multiple competing demands and meet tight turnaround timelines

**Inclusion and Equal Opportunity Employment**

goeasy is an equal opportunity employer. In addition, goeasy is committed to providing accommodations for applicants upon request at any stage of the recruitment process in accordance with all legislative requirements throughout Canada. Please let us know if you require an accommodation due to a disability during any aspect of the recruitment process and we will work with you to address your needs.

**Additional Information**:
**Why should you work for goeasy?**

To learn more about our great company please click the links below:
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