Credit risk analyst analyzing portfolio and customer data for EQ Bank, Canada's challenger bank. Supporting fraud prevention, adjudication strategies, reporting, and risk decisions.
Responsibilities
Analyze portfolio, operational, and customer data to identify trends, opportunities, and emerging risks across credit adjudication and fraud prevention
Develop, maintain, and enhance recurring management reporting, dashboards, KPI monitoring, and analytical tools
Support development and optimization of adjudication strategies through quantitative analysis, performance monitoring, and evaluation of improvements
Perform data analysis and segmentation to evaluate customer behaviour, application outcomes, fraud trends, approval rates, loss performance, and operational effectiveness
Assist in designing, testing, validating, and monitoring adjudication strategy changes within decisioning systems
Produce ad hoc analysis and research for strategic initiatives, business cases, forecasting activities, and management presentations
Apply analytical techniques, statistical methods, and data visualization tools to generate actionable business insights
Collaborate with Credit Risk, Fraud, AML, Product, Marketing, and Operations partners on cross-functional initiatives
Contribute to continuous improvement of data assets, reporting processes, analytical methodologies, and decision-support tools
Requirements
Bachelor's degree in a quantitative discipline such as Statistics, Mathematics, Engineering, Computer Science, Data Science, Physics, Economics, or another STEM-related field
0 to 2 years of experience in data analytics, business analytics, risk analytics, financial services, consulting, or a related quantitative field
Strong technical proficiency in SQL and Python, with demonstrated ability to manipulate, analyze, and interpret large datasets
Strong analytical and problem-solving skills with the ability to translate data into meaningful insights and recommendations
Excellent attention to detail and commitment to data quality and accuracy
Effective written and verbal communication skills, with the ability to explain analytical findings to both technical and non-technical audiences
Demonstrated ability to learn quickly, adapt to changing priorities, and work effectively in a fast-paced environment
Experience with data visualization tools, cloud-based analytics platforms, machine learning, or statistical modelling is considered an asset
Strong Microsoft Office skills, particularly Excel and PowerPoint
Curiosity, initiative, and a willingness to develop expertise in credit risk, fraud prevention, customer acquisition, and financial services analytics
All candidates considered for hire must successfully complete a criminal background check and credit check
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
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