Analyst, Credit Risk

**Referred applicants should not apply directly to this role.****All referred applicants must first be submitted through Workday by a current Loblaw Colleague.****Location:**500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9**When you hire great people, great things can happen.**PC Financial offers unprecedented value to Canadians through payment products. We're a different kind of bank with a different type of team—we’re collaborative and supportive and have the freedom and responsibility to thrive. Our purpose is to make the everyday simple and better for our customers, and we strive to make every dollar worth more.Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. As a subsidiary of Loblaws Company Inc., we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. Join us on our journey.**Why this role is important:**This individual will play an instrumental role in the development, monitoring, and enhancement of credit risk forecasting models and reporting frameworks. This role will support the Director in the development and enhancement of all reporting and forecasting across the entire credit lifecycle of the card consumer (Acquisitions, Portfolio Management, Collections, Fraud, Write-off).The individual will bring a curiosity and passion for driving process improvements and data-backed insights and will be providing valuable insights to support strategic decision-making. **What you’ll do:*** Develop, validate, and enhance credit risk forecasting models to predict credit card delinquencies and losses and other key credit risk metrics* Drive credit and fraud loss forecasting by incorporating emerging economic trends and changes in strategic directions* Explore and validate data from internal and external sources to drive portfolio insights and support credit risk reporting requirements* Prepare comprehensive credit risk reports and presentations and monitor performance of forecasting models, effectively communicating key findings and recommendations* Collaborate closely with cross-functional partners in all functional areas of credit risk to understand performance pertaining to complete product lifecycle: Account Acquisition, Portfolio Management, Collections, and Fraud* Provide independent assessment of material credit risk strategy changes**What you bring:*** Effective communication and analytical skills to articulate complex insights and problems both verbally and written* Eagerness to learn, strong work ethic, and detail-oriented mindset* Post-Secondary Degree or equivalent experience in a quantitative field (Statistics, Mathematics, Computer Science, Economics, Business Administration)* Proficiency in programming languages such as Python, SAS, R, and/or SQL* 1-2 years of experience in a data analysis roleCome and join a winning team who demonstrates innovation, energy, creativity and vision. We recognize the importance of a diverse workforce and we therefor encourage applications from Aboriginal Peoples, women, members of a visible minority and persons with a disability. We thank all applicants for their interest, however, only those selected for an interview will be contacted.**Number of Openings:**1*PC Financial recognizes Canada's diversity as a source of national pride and strength. We have made it a priority to reflect our nation’s evolving diversity in the products we sell, the people we hire, and the culture we create in our organization. Accommodation is available upon request for applicants and colleagues with disabilities.*In addition, we believe that compliance with laws is about doing the right thing. Upholding the law is part of our Code of Conduct – it reinforces what our customers and stakeholders expect of us.**Please Note: If you have Employee Self Service (ESS) on Workday, apply to this job via the Workday application.**Hiring Range / Échelle salariale à l’embauche :$52,000.00 - $71,500.00 / 52.000,00$ - 71.500,00$ (per year / par an)A candidate’s experience and knowledge as well as the geographical region in which the position is located may be factored into the pay a candidate receives for this position. This posting is for a newly created position. The Company uses artificial intelligence for the purpose of screening, assessing and/or selecting applicants for this position. / L’expérience et les connaissances d’un candidat ainsi que la région géographique dans laquelle le poste est situé peuvent être prises en compte dans la rémunération qu’un candidat reçoit pour ce poste. Cette offre d’emploi concerne un poste nouvellement créé. L’entreprise utilise l’intelligence artificielle dans le but de filtrer, d’évaluer et/ou de sélectionner les candidats à ce poste.#EN#SS #LEGAL #ONTogether, we are an organization committed to transforming the everyday banking experience, and providing our customers with the unprecedented value they deserve. We’re looking for entrepreneurial spirits to drive this vision forward, and because our business model is one-of-a-kind, our talent has to be just as unique. That’s where you come in. We will equip you with the freedom to envision, conceptualize and collaborate in a fast paced environment, and you’ll discover what it’s like to push the limits and draw on the talent of your peers. This experience empowers our colleagues on their journey every day, making our promise and vision simple. Come work for a Canadian bank that thinks differently.**A NOTE ON RECRUITMENT FRAUD** Please be advised that recruitment fraud has affected a number of Canadian companies. In such schemes, individuals posing as legitimate recruiters may request personal information and payment from those seeking employment. Loblaw Companies Limited, its subsidiaries, and recruiting agencies will never ask for payment at any stage in the recruitment process.To avoid falling victim to recruitment fraud:* Do not to respond to unsolicited offers from people you are unfamiliar with* Do not disclose personal or financial details via text messages* Beware of employers or agents using webmail email addresses such as @Yahoo or @Hotmail* Hover over email addresses to check the sender’s details* If you are asked for payment of any kind from a recruiter, contact your local police department as this is very likely to be fraudIf you believe you may be the victim of recruitment fraud, please contact us at and report any issues to the .#J-18808-Ljbffr