Credit Analytics Risk Manager in Toronto

HomeEquity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, with a growing portfolio. As the only bank solely dedicated to serving homeowners 55 and up, we’re passionate about helping Canadian homeowners live retirement on their terms.

Join HomeEquity Bank’s growing Risk Management team and help shape the future of responsible lending in Canada’s reverse mortgage market. In this role, you will be a key driver in advancing the Bank’s Credit Risk Management Program through data, analytics, and cross‑functional collaboration, with expansion to areas like climate risk.

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.

Qualifications:

• Bachelor’s degree with 7+ years of experience in data and analytics, ideally within financial services with experience in risk management.
• 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.
• 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.
• Strong verbal and written communication skills, capable of presenting complex findings clearly.
• 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:

• 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.

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, and well‑being initiatives.

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.