Senior Analyst, Credit Risk & Collections

EQ Bank | Canada's Challenger Bank • Toronto, ON

6d • Hybrid

About The Position

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.

Requirements

• 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 1–2 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.
• Good change management experience and discipline, including validation, user acceptance testing, and post-implementation validation.
• 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.

Nice To Haves

• 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.
• 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.

Responsibilities

• 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.

Benefits

• Competitive discretionary bonus
• Market leading RRSP match program
• Medical, dental, vision, life, and disability benefits
• Employee Share Purchase Plan
• Maternity/Parental top-up while you care for your little one
• Generous vacation policy and personal days
• Virtual events to connect with your fellow colleagues
• Professional development and comprehensive Career Development program
• A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree