Job Description

Embark on a journey with one of Canada\'s fastest growing companies \xe2\x80\x93 welcome to goeasy! We have been honored with recognitions such as Waterstone Canada\xe2\x80\x99s Most Admired Corporate Cultures, the 2022 Report on Business Women Lead Here, Report on Business for Canada\xe2\x80\x99s Top Growing Companies and TSX30 as one of the best performing companies on the TSX. We\'ve also received the Greater Toronto Top Employers Award and certified as a Great Place to Work\xc2\xae. We\'re on the lookout for the best and brightest to join our team!Our vision is to provide everyday Canadians a path to a better tomorrow, today. As one of Canada\xe2\x80\x99s leading non-prime consumer lenders, we offer a full suite of products including non-prime leasing, unsecured and secured loans as well as point-of-sale-financing though easyhome, easyfinancial, and LendCare.goeasy Ltd. is seeking a Risk Analyst with proven problem-solving abilities to provide analytics expertise in support of easyfinancial, its consumer lending business. You will assist the Senior Manager, Risk and Analytics, in developing, implementing, and managing the appropriate level of risk analysis, monitoring and controls to ensure sound and consistent credit risk management practices, creating the foundation for profitable growth. Additionally, you will provide in-depth analytics to support easyhome, the company\xe2\x80\x99s leasing business, and liaise with various business units to meet their data requirements.What will you be doing?Data mining, Modelling and Analysis:

• 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 but not limited to customer risk segmentation development that improves the portfolio\xe2\x80\x99s 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?

• Possess a strong knowledge of quantitative methodologies, risk models, and tools.
• Demonstrate strong technical knowledge of statistical analysis and modeling techniques.
• Hold a University Degree in Statistics, Mathematics, or a related discipline (an advanced degree is desired).
• Exhibit superior analytical skills \xe2\x80\x93 the ability to understand complex problems, detect trends, and analyze data to develop solutions.
• Understand data extraction/mining/modeling tools, including SQL; SAS knowledge is optional.
• Communicate complex information and concepts in understandable terms, tailoring messages and content to the intended audience.
• Adapt to an evolving environment with shifting priorities and the capacity to handle multiple competing demands within tight timelines.

We offer a Flexible Work Program that provides you the ability to work three days onsite per week, between our Mississauga and downtown Toronto office.Internal Applicants: please apply through the link and provide written endorsement from your current manager.Why should you work for goeasy?In keeping with our mission to create better tomorrows for our employees, each year goeasy commits to continuously enhancing its total rewards. Here are some of the perks we offer\xe2\x80\xa6Financial Benefits:

• Leverage our RRSP match 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.
• Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!

Diversity, Inclusion, and Equal Opportunity Employment:
At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. This means that we are committed to cultivating and preserving a work culture where we celebrate who we are, where everyone feels seen and heard and where every employee can fulfill their potential. As an equal opportunity employer, we are committed to providing accommodations for applicants upon request at any stage of the recruitment process in accordance with all legislative requirements throughout Canada. Please let us know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs.Additional Information:
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.

goeasy