Senior Analyst, Credit Risk & Collections

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.

Job Duties:

• 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.

Lets Talk About You!

• 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.

What we offer For full-time permanent roles

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

The incumbent will be working hybrid and in office time will be spent working from EQ Banks additional office space located at 2200-25 Ontario Street Toronto ON .

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.

To learn more visit and .

We may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed please contact us.

Required Experience:

Senior IC