Senior Analyst, Credit Risk & Collections
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Job Summary
Join a Challenger
At EQ were remaking banking so every Canadian gets ahead every day. Serving nearly 4 million Canadians from coast to coast we offer a wide variety of financial services from banking and lending to trust and credit union solutions.
Weve been at this since 1970 challenging the conventions of traditional banking with smarter faster and more connected financial experiences.
Whats kept us moving The people behind it all: challengers who ask better questions push back on old assumptions and look for a better way forward.
If youre driven to help reshape how banking works for Canadians and the businesses that power our economy this could be your next big opportunity.
We cant wait to get to know you!
Purpose of the Job
This role supports the development management monitoring and ongoing refinement of customer risk management processes and strategies across the PC Mastercard and PC Money products. The role is responsible for using quantitative analysis financial assessment and test-and-learn methodologies to support the optimization of strategies across limit management APR pricing delinquency management collections payment holds and related credit risk decision areas.
Analyze monitor and contribute to assigned customer risk strategies across areas such as limit management APR pricing delinquency management collections payment holds and other prioritized strategies.
Own assigned optimization opportunities and refine strategies through quantitative analysis performance monitoring and test-and-learn approaches to assess effectiveness and identify improvement opportunities.
Recommend credit risk strategy changes based on analytical findings strong financial analysis portfolio performance and expected customer and business impacts.
Develop evidence-based recommendations and present findings to leadership to support policy and strategy decisions.
Own assigned analytical workstreams and support implementation activities by providing analysis validation documentation and stakeholder updates to help ensure deployments meet quality expectations.
Develop strong working knowledge of credit systems including TSYS and TRIAD to support strategy design implementation monitoring and continuous improvement.
Support continuous improvements to strengthen oversight and governance capabilities.
Post-secondary education or equivalent experience in a quantitative field is preferred including economics business administration statistics mathematics computer science or operations research.
Minimum of 12 years of progressive experience analyzing problems implementing solutions and validating results.
- Proficiency with data management and reporting tools such as Python and SQL is required
- Proficiency with Microsoft Office suite is required
Knowledge of the credit card lifecycle and profit-and-loss financial drivers.
Working knowledge of credit card host systems including TSYS is preferred.
Experience with adaptive control systems such as TRIAD FICO Strategy Director Experian PowerCurve or comparable decisioning platforms is an asset.
Good change management experience and discipline including validation user acceptance testing and post-implementation validation.
Experience within SAS PySpark and/or R are preferred
Storytelling experience with Think-cell or similar tools would be an asset.
Additional experience with decision-tree software including GCP machine learning Angoss or SAS and optimization software such as FICO Decision Optimizer would be an asset.
Strong curiosity problem-solving ability financial acumen and interpersonal skills.
Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders orally and through written presentations.
Equity Diversity & Inclusion
EQ is committed to building an inclusive accessible environment where every employee feels valued respected and supported. We believe our organization is stronger and our people thrive when we honour and celebrate diverse experiences identities and perspectives. Were equally committed to supporting your growth both professionally and personally.
We provide a barrierfree recruitment process and work environment. If you require accommodations at any stage we will work with you to ensure you can bring your best self to the process and beyond.
As part of our recruitment process EQ uses AI to help screen assess and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team. All candidates considered for hire must successfully complete a criminal background check and credit check. While we appreciate every application an EQ recruiter will contact only those whose skills and experience most closely match the requirements of the role.
EQB Inc. (TSX: EQB) is the parent company of Equitable Bank the countrys seventh-largest Schedule I bank by assets which operates EQ Bank Canadas Challenger Bank. EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.
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Required Experience:
Senior IC
About Company
At Equitable Bank, we specialize in providing branchless financial services that meet the unique needs of all Canadians. Our range of mortgages, savings accounts and investment options are designed to offer the right solutions to match any unique circumstance.
