Senior Risk Analyst

goeasy - Mississauga, ON (il y a 30+ jours)

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If you are looking to join one of Canada’s fastest growing companies, goeasy Ltd. is the place for you! Recognized as one of Canada’s Most Admired Corporate Cultures in 2018, one of Canada’s Top 50 Fintech’s and one of 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, goeasy operates two main business units. easyfinancial is our consumer lending business that offers secured and unsecured installment loans of up to $35,000 and easyhome is Canada’s largest merchandise lease-to-own company. It is our mission to provide everyday Canadians the chance for a better tomorrow, today by giving them access to the credit they need and by offering them a second chance when they have been turned down by banks and traditional lenders. With a retail network of nearly 400 locations across Canada and over 1900 employees, we are able to build lasting relationships with our customers as we help them rebuild their credit and graduate towards prime rates and a brighter financial future.

goeasy Ltd. is seeking an Senior 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 Senior 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. The ideal candidate will have acquired experience in consumer portfolio risk analytics in a financial services, retail or online environment.

Data mining, Modelling and Analysis

Create analytical plan and project documents outlining the expected scope and effort of initiatives. Apply expertise and knowledge to understand potential hurdles and issues and demonstrate resourcefulness in highlighting possible solutions.
Plan and conduct deep analytical dives to properly diagnose, document and report drivers of unexpected changes to portfolio/origination composition and credit performance across multiple lending channels including retail lending, online lending and indirect lending. Communicate findings including future impacts to losses and proposed recommendations as required.
Research and develop risk models under guidance of management 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. Apply expertise and knowledge of financial services to understand profitability and performance drivers and build programs to optimize net financial contribution.
Work with various departments to provide risk analytics that evaluate current business processes and enhance decision making capabilities, providing quantitative analysis on a portfolio and segment level to both the consumer finance and leasing businesses of easyhome.
Forecast key business metrics including loss rates, approval rates, loan conversion rates, and credit quality for new initiatives and marketing campaigns.

Forecasting and Reporting

Identify the need to create new or enhance existing reporting to focus on critical business elements
Proactively assess and provide insights to management regarding unexpected changes to portfolio trends and recommend viable solutions.
Monitor and maintain a comprehensive set of reports to identify delinquency and charge off trends at the vintage and segment levels. Apply observations to loss forecasting models to capture current trends and communicate to Senior Management to identify risks and opportunities to the forecast.
Oversee and conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels.
Assist the Senior Manager, Credit Risk in providing an independent 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 to Senior Management.

Knowledge and practical application of data mining and statistical principles involved in model development.
Sound knowledge of credit risk/portfolio management procedures and principles.
Minimum 3-5 years of experience in retail and/or financial services credit risk management and analytics.
University Degree in statistics, math 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.
Strong knowledge of retail credit risk and portfolio management, quantitative methodologies, risk models and tools.
Strong technical knowledge of statistical analysis, modeling techniques and their application in a retail credit risk environment.
Possess deep understanding of data extraction/mining/modeling tools including SAS and SQL.
Excellent communicator in both verbal and written methods. Able to convey complex information and concepts in understandable terms; tailors message and content to the intended audience.
Thrives on working with, and in leading others in a “hands-on” capacity sharing best practices and coaching for future development.
An energetic and performance-oriented individual with well-developed critical thinking skills and a bias for action.
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


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Why should you work for goeasy?
