Analyst, Credit Strategy

Momentum Financial Services Group; Toronto; Hybrid; CAD 87,000; Full time

Job summary

A leading financial services firm in Toronto seeks a dedicated professional to develop and optimize data-driven credit risk strategies. The role involves analyzing portfolio performance and utilizing tools like SAS, SQL, and Python. This position offers a hybrid work environment, comprehensive benefits including health and dental coverage, a discretionary bonus, and opportunities for professional development. Candidates should have at least a Bachelor's degree and a minimum of one year of relevant experience.

Benefits

Discretionary Annual Bonus

Comprehensive Benefits

Retirement Plans

Hybrid Work Environment

Tuition assistance and professional development reimbursement

Qualifications

• Minimum 1 year of experience in credit risk, strategy, or analytics.
• Experience with A/B testing and performance tracking.
• Exposure to automated decisioning systems is a plus.

Responsibilities

• Develop and optimize data-driven credit risk strategies.
• Analyze portfolio performance and recommend actions.
• Create performance dashboards to track KPIs.

Skills

Credit risk analysis

Data-driven strategy development

A/B testing

Performance tracking

SQL

SAS

Python

Education

Bachelor's degree in Mathematics, Financial Analysis, or a related field

Tools

SAS

SQL

Python

Job description

At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities.

From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it.

At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people.

Business Address: 20 Toronto St., Suite 1220, Toronto, ON M5C 2B8, Canada

Location of Work

• Hybrid
• In-office 2-3 days per week: 20 Toronto St., Suite 1220, Toronto, ON M5C 2B8, Canada

Terms of Employment: Full Time, Permanent, 40 hours per week

Language: English

Compensation: $86,528 per year[, with 5% bonus potential]

Benefits

• Discretionary Annual Bonus: Enjoy the opportunity for a discretionary bonus based on individual performance and company success.
• Comprehensive Benefits: Our benefits include health and dental plans with 100% of the premiums covered. We also offer an Employee Assistance Program to support your mental well‑being and provide resources for personal challenges.
• Retirement Plans: Plan for your future with our robust retirement savings options, ensuring you’re set for the long haul.
• Hybrid Work Environment: Experience the best of both worlds with our hybrid work model, allowing you to balance remote work with in‑office. When you're at our corporate head office, enjoy a relaxed and collaborative environment featuring breakout rooms for brainstorming and unwinding, plus a variety of snacks to keep you energized throughout the day.
• Perks and Rewards: Enjoy reimbursement for tuition assistance and professional development, discounts through Perkopolis and participate in our rewards and recognition programs to celebrate your contributions.

Duties and Responsibilities

This role is responsible for developing, analyzing, and optimizing data‑driven credit risk strategies to support profitable growth and risk management across the credit lifecycle.

• Design and refine data‑driven credit strategies across the customer lifecycle (e.g., acquisition, underwriting, line management, collections).
• Perform deep‑dive analysis on portfolio performance, risk metrics, and customer behavior to identify trends and recommend actions.
• Assist in the ongoing evaluation of credit policies and risk appetite frameworks to optimize profitability and minimize losses.
• Develop performance dashboards and reports to track KPIs, credit outcomes, and the effectiveness of strategies over time.
• Design and execute A/B tests and champion/challenger experiments to evaluate strategy performance and drive continuous improvement.

Job Requirements

• Minimum Education:
  • Bachelor's degree in Mathematics, Financial Analysis, or a related field
• Work Experience:
  • At least 1 year of experience in credit risk, credit strategy, or analytics within the financial services industry.
  • Experience with A/B testing, champion/challenger frameworks, and performance tracking.
  • Experience with SAS, SQL, and Python
• Experience with Credit Risk Modeling
• Exposure to automated decisioning systems and real‑time credit decision engines is desired
• SAS, SQL, Python, or Credit Risk Modeling certifications are desired