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Credit Analytics Risk Manager

HomeEquity Bank
Toronto, CAN
Full-time
Manager · 7+ years experience
Onsite
Discovered 3 weeks ago
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Full Job Posting

Key Responsibilities:

  • Credit and Operational Risk Oversight – Conduct comprehensive risk assessments, control effectiveness testing, and monitoring activities across Credit, Mortgage Lending, and Operations.
  • Insightful Reporting & Data Visualization – Build and enhance data-driven risk dashboards using a combination of visualization tools, produce analytical insights for senior management and Board reporting.
  • Analytics Model Development and Validation – Perform risk-based credit model development and enhancement, validation of credit models and support analytic reviews leveraging SQL, Python, Pyspark or data visualization tools.
  • Product/Project & Initiative Risk Reviews – Evaluate new products, projects, and initiatives against the Risk Appetite Framework to ensure strategic and regulatory alignment.
  • Advisory & Challenge – Review escalated credit cases, perform enhanced due diligence, and provide independent recommendations to senior leaders on risk suitability.
  • Continuous Improvement – Strengthen policies, procedures, and frameworks to embed best practices in credit and enterprise risk management.
  • Issue Management & Audit Support – Partner with business units to address audit or regulatory findings using data and analytics, ensuring timely and sustainable remediation
  • Promote Risk Culture – Foster awareness and understanding of credit, operational, and fraud risk across the Bank through collaboration, communication, and training.
  • Drive Enterprise Risk Excellence – Support the execution and continuous improvement of the Bank’s ERM framework to ensure consistency, transparency, and alignment with risk appetite and business strategy.
  • Innovation in Risk Practices – Contribute to cross-functional projects such as expanding GRC platforms or integrating new data domains, including geolocation and climate risk analytics.
  • SKILLS AND EXPERIENCE REQUIRED:
  • Qualifications
  • Bachelor’s degree with 7+ years of experience in data and analytics, ideally within financial services with experience in risk management (Good-to-Have: Familiarity with OSFI regulatory frameworks (e.g., B-20, B-15, E-21, E-23) and practical experience applying them in a financial institution.
  • Advanced proficiency in MS Office, with experience using data visualization tools (e.g., Looker, Tableau, Power BI).
  • Working knowledge of SQL, Python and Pyspark and tools like databricks to support data-driven risk insights, and familiarity with using AI tools to improve code productivity.
  • Data Exposure: financial data, operation data and climate or geolocation data analysis considered an asset.
  • Proven experience designing, executing, and communicating risk assessments, monitoring, and testing programs.
  • Strong knowledge of credit life-cycle management and industry best practices in enterprise and credit risk.
  • Attributes for Success
  • Strong analytical and problem-solving mindset with high attention to detail; high intellectual curiosity with the aptitude to continuous learning.
  • Strong verbal and written communication skills, capable of presenting complex findings clearly and managing communications with sales, operations and products.
  • High professional integrity and collaborative spirit, with ability to manage multiple priorities with minimal supervision in a fast-paced environment.
  • Self-starter with a growth mindset, eager to learn and contribute to meaningful impact.
  • WORKING CONDITIONS UNIQUE TO JOB
  • Standard office environment (hybrid flexibility available, 3 Days in-office)
  • Opportunities for professional development, cross-functional collaboration, high visibility, and exposure to emerging risk disciplines such as climate risk, data analytics, and model governance.
  • WHY WORK AT HOMEEQUITY BANK?
  • Great Environment
  • HomeEquity Bank offers a hybrid working environment supported with a culture of flexibility – an approach that is unique to each person, and that enables both business and individual needs to be met in a mutually beneficial way.
  • We pride ourselves in recognizing and celebrating performance, community service, teamwork, and diversity among our employees.
  • A Dynamic Culture – With People at the Centre
  • We believe our people make all the difference; our tireless commitment to inclusivity, professional development, and employee experience has been recognized through awards including the Greater Toronto’s Top Employers 2024,Waterstone Canada's Most Admired Corporate Cultures 2022-2023, the Globe and Mail's Report on Business: Canada's Top Growing Companies 2022 (third year since 2019), Canadian's Mortgage Professional (CMP) Top Mortgage Employer 2023 for the third year in a row and Achievers Top 50 Most Engaged Workplaces 2023.
  • Growth and Opportunities We provide challenging and rewarding careers in a wide variety of fields. We continuously develop and train our employees through professional growth opportunities and on-the-job training. We also encourage our employees to develop professionally and personally though a series of career developing programs including our Educational Assistance Program, designed to reimburse costs related to professional learning and development.
  • Celebrating Great Work and People
  • We believe in an environment that celebrates success, knowledge, leadership, and work that is inspired by our core values. For these reasons, we have created several programs that make it easy for our employees to say ‘great job’ to their colleagues and leaders.
  • From our Appreciate! Program to the High Five Award Program and President’s Award Program, we recognize professional achievement with a variety of rewards including points towards gift cards, merchandise, and travel experiences, as well as group RRSP/DPSP contributions and more.
  • Our Community Leadership Program recognizes employees who make a positive impact in their communities through volunteer work with a grant for their charity of choice. Additionally, we provide employees with one paid day off each year to volunteer at their favourite local charity.
  • The Perks (for eligible employees)
  • HomeEquity Bank offers a competitive total rewards package that includes:
  • Extended health and dental benefits
  • Employee & Family Assistance Program
  • Employer-Matched Group Retirement Savings Plan
  • Employee Share Investment Plan
  • Well-being initiatives including: a wellness account; virtual self-care programs and extended mental health benefits
  • Employee corporate discount for GoodLife Fitness
  • HomeEquity Bank is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
  • Please note that our successful candidate is required to complete a background check.
  • Stay in the Know
  • Find out what we’re up to online, and learn more about what makes HomeEquity Bank a great place to work:
  • LinkedIn Youtube Facebook Twitter Instagram Chip.ca
  • Join Us! If you’re ready to build the future of reverse mortgages, we want to hear from you.

Qualifications

  • REQUIRED
  • Bachelor’s degree with 7+ years of experience in data and analytics, ideally within financial services with experience in risk management (Good-to-Have: Familiarity with OSFI regulatory frameworks (e.g., B-20, B-15, E-21, E-23) and practical experience applying them in a financial institution.
  • Advanced proficiency in MS Office, with experience using data visualization tools (e.g., Looker, Tableau, Power BI).
  • Working knowledge of SQL, Python and Pyspark and tools like databricks to support data-driven risk insights, and familiarity with using AI tools to improve code productivity.
  • Data Exposure: financial data, operation data and climate or geolocation data analysis considered an asset.
  • Proven experience designing, executing, and communicating risk assessments, monitoring, and testing programs.
  • Strong knowledge of credit life-cycle management and industry best practices in enterprise and credit risk.
  • Attributes for Success
  • Strong analytical and problem-solving mindset with high attention to detail; high intellectual curiosity with the aptitude to continuous learning.
  • Strong verbal and written communication skills, capable of presenting complex findings clearly and managing communications with sales, operations and products.
  • High professional integrity and collaborative spirit, with ability to manage multiple priorities with minimal supervision in a fast-paced environment.
  • Self-starter with a growth mindset, eager to learn and contribute to meaningful impact.
  • WORKING CONDITIONS UNIQUE TO JOB
  • Standard office environment (hybrid flexibility available, 3 Days in-office)
  • Opportunities for professional development, cross-functional collaboration, high visibility, and exposure to emerging risk disciplines such as climate risk, data analytics, and model governance.
  • WHY WORK AT HOMEEQUITY BANK?
  • Great Environment
  • HomeEquity Bank offers a hybrid working environment supported with a culture of flexibility – an approach that is unique to each person, and that enables both business and individual needs to be met in a mutually beneficial way.
  • We pride ourselves in recognizing and celebrating performance, community service, teamwork, and diversity among our employees.
  • A Dynamic Culture – With People at the Centre
  • We believe our people make all the difference; our tireless commitment to inclusivity, professional development, and employee experience has been recognized through awards including the Greater Toronto’s Top Employers 2024,Waterstone Canada's Most Admired Corporate Cultures 2022-2023, the Globe and Mail's Report on Business: Canada's Top Growing Companies 2022 (third year since 2019), Canadian's Mortgage Professional (CMP) Top Mortgage Employer 2023 for the third year in a row and Achievers Top 50 Most Engaged Workplaces 2023.
  • Growth and Opportunities We provide challenging and rewarding careers in a wide variety of fields. We continuously develop and train our employees through professional growth opportunities and on-the-job training. We also encourage our employees to develop professionally and personally though a series of career developing programs including our Educational Assistance Program, designed to reimburse costs related to professional learning and development.
  • Celebrating Great Work and People
  • We believe in an environment that celebrates success, knowledge, leadership, and work that is inspired by our core values. For these reasons, we have created several programs that make it easy for our employees to say ‘great job’ to their colleagues and leaders.
  • From our Appreciate! Program to the High Five Award Program and President’s Award Program, we recognize professional achievement with a variety of rewards including points towards gift cards, merchandise, and travel experiences, as well as group RRSP/DPSP contributions and more.
  • Our Community Leadership Program recognizes employees who make a positive impact in their communities through volunteer work with a grant for their charity of choice. Additionally, we provide employees with one paid day off each year to volunteer at their favourite local charity.
  • The Perks (for eligible employees)
  • Extended health and dental benefits
  • Employee & Family Assistance Program
  • Employer-Matched Group Retirement Savings Plan
  • Employee Share Investment Plan
  • Well-being initiatives including: a wellness account; virtual self-care programs and extended mental health benefits
  • Employee corporate discount for GoodLife Fitness
  • HomeEquity Bank is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.
  • Please note that our successful candidate is required to complete a background check.
  • Stay in the Know
  • LinkedIn Youtube Facebook Twitter Instagram Chip.ca
  • Join Us! If you’re ready to build the future of reverse mortgages, we want to hear from you.

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