Position

Risk Manager, Risk & Analytics – responsible for developing, implementing, and overseeing credit risk analysis, monitoring, and controls to ensure strong portfolio performance and alignment with risk appetite.

Responsibilities

- Data Mining, Modeling, and Analysis
- Identify, evaluate, and implement adjudication and collection strategy changes aligned with the risk appetite established by senior management and approved by the board.
- Identify and monitor credit risk trends, communicate adherence to authorized risk tolerance parameters, and support senior management decision‑making.
- Diagnose, document, and report drivers of unexpected changes to portfolio/origination composition and credit performance; communicate findings and propose recommendations to senior management.
- Make recommendations to improve credit risk decisions around adjudication and collection strategies, and improve existing reports, processes, and procedures.
- Contribute to the development of a robust data infrastructure for model development and analytics; create meaningful analysis that optimizes credit strategy, including customer risk segmentation to improve the portfolio’s risk‑reward profile and build programs to optimize net financial contribution.
- Forecasting and Reporting
- Build and maintain a standard set of risk and performance reports that evaluate overall credit risk of the portfolio.
- Monitor reports to identify delinquency and charge‑off trends at vintage and segment levels; apply observations to loss forecasting models and communicate to senior management.




- Oversee and conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy, and operational changes on delinquency and charge‑off levels.

Qualifications

- 2‑4 years of progressively responsible roles in retail and/or financial services credit risk management and analytics, coupled with a degree in statistics, mathematics, or a related discipline (advanced degree desired).
- Sound knowledge of credit risk/portfolio management procedures and principles; practical application of data mining and statistical principles involved in model development.
- Strong analytical, data storytelling, and communication skills with a proven ability to understand complex problems, detect trends, and develop solutions.
- Demonstrated experience in identifying, quantifying, managing, and implementing changes to credit risk decisions and underwriting strategies, policies, and procedures through analytical and problem‑solving skills.
- Strong technical knowledge of statistical analysis, modeling techniques and their application in a retail credit risk environment.
- Deep understanding of data extraction, mining, and modeling tools including SAS, SQL, and Databricks.
- Experience with agentic or generative AI is a plus.





Compensation

$95,795.00 – $112,700.00 CAD (includes base salary and bonus). Compensation reflects market competitiveness, internal equity, and the experience and impact each candidate brings to the role.

Benefits

- Versatile Work Program – work three days onsite per week from our Mississauga office.
- RRSP matching and Employee Share Purchase Plan.
- Annual bonus that rewards hard work and dedication.
- Employee discounts on furniture, electronics, and appliances.
- MAT & PAT leave top‑up.
- Financial Literacy Learning opportunities.
- Company‑paid volunteer days.
- 24/7 healthcare with Virtual Doctor Appointments.
- Modular benefits package.
- On‑site private gym and state‑of‑the‑art office with games room, healthy snack program, fitness studio, and free parking.
- Tuition Assistance Program.
- Company Matched Charitable Donations.
- Internal development training programs and platforms (job‑specific training, career coaching, leadership excellence, mentorship).

Diversity, Inclusion, and Equal Opportunity Employment

We commit to an inclusive, equitable, and accessible workplace. We provide accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to remove barriers throughout the interview process. Please let us know if you require an accommodation.

Additional Information

- All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience.

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📌 Risk Manager (Risk & Analytics) (Mississauga)
🏢 goeasy
📍 Mississauga