Position Id
Cambridge, ON
Job Type
Full-Time Regular

The Client:

The client is a top rated national money lender, based in Ontario with a nationwide presence. Reporting directly to the VP of Credit Risk and working in very close collaboration with the CEO/Founder, this position will serve as a key member of the risk team. You’ll be responsible for executing the company’s expansion into the $2 Billion dollar (sub-prime) installment loan industry.

What you will achieve in this role:

Cutting edge analysis forms the foundation of this role and spans various aspects - acquisition strategies, customer targeting, lifecycle profitability, economic and risk capital requirements and returns, bureau and vendor data leveraging to create superior value in segmentation and many others.

  • Routine review of Credit Risk policies and guidelines
  • Analysis of Scorecard performance and monitoring change request process
  • Provide analytics support across the credit risk lifecycle including tracking and managing portfolio risk performance and supporting loan loss allowance forecasting
  • Assist with analysis of fraud/bankruptcy activities
  • Assist with the testing and implementation of Credit Risk related projects
  • Lead the implementation and testing of all models in the origination platform
  • Identify innovative modeling techniques that leverage industry best practice and enhance portfolio profitability
  • Research and review new alternative data sources with a view towards augmenting model performance
  • Develop and implement strategies to assist with managing delinquency, charge-off, profitability, new products, credit limit setting, and account management for credit portfolios.

What you must bring:

  • Must have Statistical Programming Experience (SAS, SQL, etc.)
  • 1+ years of experience
  • Exposure to analytic techniques such as regression analysis, segmentation techniques, decision trees, and others
  • Exposure to hands-on experience in credit analytics and underwriting.
  • Understanding of underwriting loans and loan approval process in a retail and/or online/mobile platforms
  • Ability to assimilate complex business information in order to structure relationships in processes and data

Only those who are qualified will be contacted.

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