Credit Risk Analyst (Remote)

Mogo; Vancouver; Remote; CAD 55,000 - 75,000; Full time

Job description

Are you passionate about data and looking to make a meaningful impact in the fintech world? Join our dynamic team at Mogo Finance as a Credit Risk Analyst! Reporting to the Senior Manager, Credit Risk, you will play a pivotal role in shaping our lending portfolio. You will create and maintain performance reports, share valuable insights to support strategic decision-making, and develop innovative solutions to meet our business needs. Your contributions will directly influence the development and implementation of risk strategies, supporting the overall risk appetite set by our forward-thinking leadership team.

The base salary for this role is : $55,000-$75,000 CAD

Accepting applications from Canadian based applicants only.

What You’ll Do :

• Assist in managing the lending portfolio.
• Create and maintain performance reports.
• Share insights to support decision-making processes.
• Develop new and adjust existing codes to fulfill business needs.
• Gather and analyze financial information to assess creditworthiness.
• Perform credit risk assessments and determine risk levels.
• Continuously monitor credit risk exposure, recommending adjustments as needed.
• Prepare and present detailed credit risk reports to senior management.
• Assist in developing and implementing risk models and strategies.
• Ensure compliance with regulatory requirements and internal policies.
• Collaborate with other departments for comprehensive risk management.
• Interact with stakeholders to gather information and provide insights on credit status.
• Stay informed about market trends and economic factors affecting the portfolio.
• Utilize advanced tools and software to enhance analysis accuracy and efficiency.

Qualifications :

• Post-secondary diploma or bachelor’s degree (Major in Finance, Data Science, Commerce, or Economics preferred).
• 2-3 years of work experience in data analysis using SQL or similar coding languages.
• Advanced experience in Microsoft Excel, including PowerPivot.
• Proficiency with Microsoft Office (Word, Outlook, PowerPoint).
• Strong proven research, analytical, problem-solving, and conceptual thinking skills.
• Knowledge of financial and credit reports, and reporting systems, processes, and controls.
• Attention to detail with a high degree of accuracy, especially working with numbers and dollars.
• Ability to take initiative proactively and work independently in a remote environment.
• Strong organizational and time management skills.
• Excellent verbal and written communication skills for effective cross-functional communication.
• Ability to prioritize and work with tight deadlines.

Preferred Qualifications :

• Experience with credit risk underwriting and adjudication.
• Experience with Snowflake and Looker.
• Experience with AI and Machine Learning.

Benefits of working with us :

• ALWAYS FULLY REMOTE WORK - Enjoy the flexibility of remote work, supported by necessary resources
• Comprehensive Health and Wellness - Access medical, dental, and vision coverage plus a Health Spending Account
• Stock Options - Have a stake in the company's success through stock options
• Flex Vacation - Benefit from paid time off, including vacation days, holidays, and personal days
• Innovative and Inclusive Culture - Engage in cutting-edge projects and be part of an inclusive workplace
• Wellbeing Programs - Access counseling services, mental health support, and additional wellness resources