Senior Risk Analyst (Credit Card Portfolio)

goeasy

  • Mississauga, ON
  • Permanent
  • Full-time
  • 9 days ago
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 honored to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women, and having one of the Most Trusted Executive Teams, and included on TIME Magazine's 2025 list of Canada's Best Companies. 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.As a Senior Risk Analyst (Credit Card Portfolio) at easyfinancial, you will apply strategic and analytical skills to optimize our credit card offerings. By collaborating with cross-functional teams, you will identify trends, develop predictive models, and provide actionable insights to improve portfolio performance. Your work will have a direct impact on profitability, customer satisfaction, and risk management, all while driving continuous improvement and innovation in our portfolio strategies.What will you be doing?
  • Problem Solving, Data Analysis & Strategic Optimization
  • Identify key issues and opportunities within the credit card portfolio by analyzing large datasets and financial metrics.
  • Propose data-driven solutions and strategies to optimize portfolio performance, reduce risk, and improve customer retention.
  • Leverage advanced data science techniques, including machine learning and predictive modeling, to uncover insights that drive strategic decisions.
  • Develop and test strategies to enhance portfolio profitability and customer experience, ensuring alignment with business objectives.
  • Work with stakeholders to identify areas for portfolio optimization, such as product enhancements, pricing strategies, and customer segmentation.
  • Collaboration, Communication & Recommendations
  • Collaborate with internal teams, including marketing and product management to implement strategies that improve portfolio performance.
  • Partner with data scientists and business analysts to integrate advanced analytics and improve decision-making across the organization.
  • Develop and present clear, data-driven recommendations to senior leadership and other key stakeholders.
  • Effectively communicate complex analytical findings in a concise and actionable manner, ensuring alignment across teams.
  • Model Development, Testing & Fraud Mitigation
  • Build and test predictive models that forecast portfolio performance, customer behavior, and emerging risks.
  • Continuously evaluate and refine models to ensure they provide accurate and actionable insights.
  • Contribute to fraud mitigation efforts by analyzing transaction and application data to identify potential risks and enhance fraud detection models.
  • Work closely with the product management team to develop and implement strategies that minimize portfolio risk while maximizing profitability.
  • Continuous Learning, Innovation & Documentation
  • Stay ahead of industry trends and emerging technologies, incorporating innovative approaches to data analysis and modeling.
  • Promote a culture of continuous learning by taking on new challenges and responsibilities, while contributing to the team's growth and knowledge-sharing efforts.
  • Document business requirements, analytical methodologies, and model assumptions to ensure clarity and transparency in decision-making processes.
What experience do you have?
  • Bachelor's degree in Data Science, Mathematics, Computer Science, Economics, or a related field. Relevant certifications (e.g., Machine Learning, Data Science) are a plus.
  • Minimum of 3 years of experience as a Senior Analyst or in a similar analytical role, preferably within the financial services or credit card industry.
  • Proven experience in building and testing predictive models, analyzing financial portfolios, and recommending data-driven strategies.
  • Familiarity with credit card products, customer behavior analysis, and key industry metrics (e.g., delinquency rates, APR, charge-offs, utilization).
  • Expertise in data science tools and programming languages (e.g., Python, R, SQL) and machine learning libraries (e.g., scikit-learn, TensorFlow).
  • Strong ability to perform statistical analysis and data visualization, with experience using tools like Tableau, Power BI, or similar platforms.
  • Excellent communication skills, with the ability to present complex technical findings to non-technical stakeholders clearly and effectively.
  • Strong problem-solving skills and the ability to apply strategic thinking to data-driven solutions.
  • Experience working cross-functionally, collaborating with teams such as tech, marketing, and product management.
  • Ability to lead projects, manage priorities, and ensure successful implementation of solutions.
We offer a Flexible Work Program that provides you the ability to work three days onsite per week, from our Mississauga office.Internal Applicants: please apply through the link and provide written endorsement from your current manager.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 to the community.
  • Access 24/7 healthcare with Virtual Doctor Appointments.
  • Personalize your benefits with a flexible modular benefits package.
  • Stay fit and energized with exclusive access to our on-site private gym at our head office.
Employee Perks:
  • Fuel your growth with the Tuition Assistance Program.
  • Double the impact of your generosity with Company Matched Charitable Donations.
  • Internal development training programs and platforms including job-specific training, career coaching, leadership excellence, mentorship, and many others.
  • Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!
Diversity, Inclusion, and Equal Opportunity Employment:At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. goeasy is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. As an equal opportunity employer, we are committed to providing accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. Please let the talent acquisition team know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs.Additional Information:All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. We thank all interested applicants; however, we will only be contacting those for interview who possess the skills and qualifications outlined above.Follow useasyfinancialeasyhomeAbout usService ratingPersonal loansLease to own

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