Hybrid Credit Risk & Collections Strategy Analyst

Kinvie; Toronto; Hybrid; CAD 80,000 - 120,000; Full time

Job summary

EQ Bank in Toronto, Ontario, seeks a quantitative risk analyst to support customer risk management across credit products. You will analyze, monitor, and optimize strategies in limit management, pricing, collections, and holds, using Python, SQL, and credit systems like TSYS/TRIAD.

Ideal candidates have 1–2 years of relevant experience and strong communication skills to present findings to leadership. This role is hybrid with in‑office collaboration at EQ Bank's Toronto space.

Qualifications

• Post‑secondary education in a quantitative field or equivalent experience.
• 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.
• Proficiency with Microsoft Office suite.
• Knowledge of credit card lifecycle and profit‑and‑loss financial drivers.
• Working knowledge of credit card host systems, including TSYS.
• Experience with adaptive control systems such as TRIAD, FICO Strategy Director, Experian PowerCurve, or comparable decisioning platforms is an asset.
• Experience with SAS PySpark, and/or R is preferred.
• Storytelling experience with Think‑cell or similar tools would be an asset.
• 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.

Responsibilities

• Analyze, monitor, and contribute to assigned customer risk strategies across 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 to assess effectiveness.
• Recommend credit risk strategy changes based on analytical findings and portfolio performance.
• Develop evidence‑based recommendations and present findings to leadership to support policy decisions.
• Own analytical workstreams and support implementation with analysis, validation, and stakeholder updates.
• Develop strong working knowledge of credit systems to support design, implementation, monitoring, and continuous improvement.
• Support continuous improvements to strengthen oversight and governance capabilities.

Education

Post‑secondary education in quantitative field

Tools

Python

SQL

TSYS

TRIAD

SAS/PySpark

R

Think‑cell

GCP ML

Angoss

SAS

FICO Decision Optimizer

Job description

EQ Bank in Toronto, Ontario, seeks a quantitative risk analyst to support customer risk management across credit products. You will analyze, monitor, and optimize strategies in limit management, pricing, collections, and holds, using Python, SQL, and credit systems like TSYS/TRIAD.

Ideal candidates have 1–2 years of relevant experience and strong communication skills to present findings to leadership. This role is hybrid with in‑office collaboration at EQ Bank's Toronto space.