Senior Risk Analyst (Analytics)

Role overview

Data mining, modeling and analysis

• Investigate, document, and report drivers of unexpected portfolio or origination changes and credit performance across retail, online, and alternative lending channels.
• Support development of risk models for origination, account management, and collections.
• Analyze credit strategy optimization, including customer risk segmentation to improve portfolio risk-reward.
• Forecast and measure loss rates, approval rates, loan conversion rates, and credit quality for initiatives and marketing campaigns.

Forecasting and reporting

• Maintain standard reports evaluating overall credit risk of the portfolio.
• Monitor delinquency and charge-off trends by vintage and segment, apply observations to loss forecasts, and communicate forecast risks and opportunities to senior management.
• Analyze the effects of external factors and policy or operational changes on delinquency and charge-off levels.
• Monitor key risk indicators and conduct periodic credit reviews to assess portfolio and business-unit risk and performance.

Experience and qualifications

• Requires at least two years of experience as an analyst or in a similar position.
• Requires strong knowledge of quantitative methodologies, risk models, statistical analysis, and modeling techniques.
• Requires a university degree in Statistics, Mathematics, or a related discipline; an advanced degree is desired.
• Requires a solid understanding of data extraction, mining, and modeling tools, including SAS and SQL.
• Requires strong analytical problem-solving, clear communication, adaptability, and ability to manage competing demands and tight timelines.

Work arrangement

• The flexible work program requires three days onsite per week at the Mississauga office.