Senior Risk Analyst in Mississauga

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. We’re proud to be recognized for 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.

goeasy Ltd. is seeking a Senior Risk Analyst to join our Risk and Analytics team. This role will leverage strong analytical and problem-solving capabilities to support credit risk management, portfolio monitoring and data-driven decision-making. Reporting to the Senior Manager, Risk and Analytics, the Senior Risk Analyst will help develop, implement and enhance risk strategies, analytics, monitoring and controls that support sound credit risk management and profitable growth.

What will you be doing?

• Conduct guided analytical dives to properly diagnose, document and report on the drivers of unexpected changes to portfolio/origination composition and credit performance across multiple lending channels including retail, online lending and alternative.
• Communicate findings and the future impacts to losses to management.
• Assist Risk and Analytics leadership by supporting the development of risk models for the purposes of origination, account management and collections.
• Perform analysis leading to credit strategy optimization, including customer risk segmentation development that improves the portfolio’s risk-reward profile.
• Forecast, track and measure key business metrics including loss rates, approval rates, loan conversion rates, and credit quality for new initiatives and marketing campaigns.

Forecasting and Reporting:

• Maintain a standard set of risk and performance reports that evaluate the overall credit risk of the portfolio.
• 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.
• Conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels.
• Assist Risk and Analytics leadership by providing an objective 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.

What experience do you have?

• Strong knowledge of quantitative methodologies, risk models and tools.
• Strong technical knowledge of statistical analysis, modeling techniques.
• University Degree in Statistics, Mathematics 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.
• Possess a solid understanding of data extraction/mining/modeling tools including SAS and SQL.
• 2+ years’ experience as an analyst or in a similar position.
• Able to convey complex information and concepts in understandable terms, tailoring message and content to the intended audience.
• Flexibility to adapt to an evolving environment with shifting priorities with the capacity to handle multiple competing demands and meet tight turnaround timelines.

We offer a Flexible Work Program that provides you the ability to work three days onsite per week, from our Mississauga office. $79,750.00 – $93,500.00 CAD (includes base salary and bonus). Our compensation ranges are thoughtfully designed to reflect market competitiveness, internal equity, and the experience and impact each candidate brings to the role.

Why should you work for goeasy?

• Financial Benefits: RRSP matching 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.

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.

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.