Risk Analyst

Join one of Canada’s fastest-growing companies and be part of something extraordinary - welcome to **goeasy** At **goeasy**, our people and culture are at the heart of everything we do, and we’re proud to be recognized for it. We’ve earned prestigious accolades such as **Waterstone Canada’s Most Admired Corporate Cultures**, **Canada’s Top Growing Companies**, and the **TSX30**, highlighting us as one of **the top performers on the TSX**. We’re also thrilled to be named a **Greater Toronto Top Employer** and proudly certified as a **Great Place to Work®.** These honors reflect our commitment to fostering an inclusive, high-performance culture where talent thrives and innovation drives us forward.

As one of Canada’s leading alternative consumer lenders, we’re passionate about helping everyday Canadians create a brighter future. Our vision is to provide a path to a better tomorrow, today. We offer a full range of products, including non-prime leasing, unsecured and secured loans, and point-of-sale financing through **easyhome**, **easyfinancial**, and **LendCare**.

If you're seeking an exciting, high-growth environment where your contributions truly matter, we want to hear from you Join us, and together, let's create a future of financial empowerment.

We are looking for a** Risk Analyst** with proven problem-solving abilities to provide analytics expertise in support of easyfinancial, its consumer lending business. You will assist the Senior Manager, Risk and Analytics, in developing, implementing, and managing the appropriate level of risk analysis, monitoring and controls to ensure sound and consistent credit risk management practices, creating the foundation for profitable growth. Additionally, you will provide in-depth analytics to support easyhome, the company’s leasing business, and liaise with various business units to meet their data requirements.

**What will you be doing?**
- **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.

**What experience do you have?**
- Possess a strong knowledge of quantitative methodologies, risk models, and tools.
- Demonstrate strong technical knowledge of statistical analysis and modeling techniques.
- Hold a University Degree in Statistics, Mathematics, or a related discipline (an advanced degree is desired).
- Exhibit superior analytical skills - the ability to understand complex problems, detect trends, and analyze data to develop solutions.
- Understand data extraction/mining/modeling tools, including SQL; SAS knowledge.
- Communicate complex information and concepts in understandable terms, tailoring messages and content to the intended audience.
- Adapt to an evolving environment with shifting priorities and the capacity to handle multiple competing demands within tight timelines.

We offer a Flexible Work Program that provides you the ability to **work three days onsite per week**, between our Mississauga and downtown Toronto office.

**Why should you work for goeasy?**

In keeping with our mission to create better tomorrows for our employees, each year goeasy commits to continuously enhancing its total rewards. Here are some of the perks we offer

**Financial Benefits**:

- Leverage our RRSP match 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