Interim Analyst, Credit Risk

EQ Bank; Toronto; Hybrid; CAD 60.000 - 80.000; Vollzeit

Benefits dieser Stelle

Bonus program

RRSP match program

Medical, dental, vision, life and long

Employee Share Purchase Plan

Maternity/Parental top-up

Generous vacation policy

Career development program

Zusammenfassung

PCF (President's Choice Financial) seeks an Analyst, Credit Risk Acquisitions for an 18-month contract in Toronto. The role supports development, monitoring, and optimization of adjudication strategies, leveraging data to drive risk-informed decisions and fraud prevention insights.

You will collaborate across Risk, Fraud, AML, and Operations, build dashboards, and perform quantitative analyses to improve strategies. Hybrid work with an EQ Bank location in Toronto is provided.

Qualifikationen

• Bachelor's degree in a quantitative field (Statistics, Mathematics, Engineering, CS, Data Science, Physics, Economics)
• 0–2 years in data analytics, business analytics, risk analytics, or related field
• Proficiency in SQL and Python to manipulate large datasets
• Strong analytical and problem-solving skills with data-driven insights
• Attention to detail and data quality
• Excellent written and verbal communication to explain findings
• Willingness to learn quickly in a fast-paced environment
• Experience with data visualization, cloud analytics, ML or statistical modelling is a plus
• MS Office skills, especially Excel and PowerPoint

Aufgaben

• Analyze portfolio, operations, and customer data to identify trends, risks, and opportunities in credit adjudication and fraud prevention
• Develop and maintain dashboards, KPI monitoring, and reporting for risk governance
• Support adjudication strategy improvements through quantitative analysis and monitoring
• Perform data analysis and segmentation on customer behavior, outcomes, fraud trends, and performance
• Assist in design, testing, and monitoring of adjudication strategy changes
• Produce ad hoc analyses for strategic initiatives and management presentations
• Apply statistical methods to generate actionable insights
• Collaborate with Credit Risk, Fraud, AML, Product, Marketing, and Operations to meet requirements
• Contribute to data assets, reporting processes, and decision-support tools

Kenntnisse

SQL

Python

Data analytics

Risk analytics

Ausbildung

Bachelor's degree in a quantitative field

Tools

Excel

PowerPoint

Jobbeschreibung

Analyst, Credit Risk (18 Month Contract)

Toronto

PCF - President's Choice Financial – PCF - Risk & Acquisition Management / CON-Long / Hybrid

The Work

The Analyst, Credit Risk Acquisitions supports the development, monitoring, and optimization of adjudication strategies across credit risk and fraud prevention. Through the analysis of customer, operational, and portfolio data, the Analyst generates insights, reporting, and recommendations that support strategy development, risk management, and business decision-making.

Core Responsiblities

• 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 to support risk governance and strategic decision-making.
• Support the development and optimization of adjudication strategies by conducting quantitative analysis, monitoring performance, and evaluating potential improvements under the guidance of senior team members.
• Perform data analysis and segmentation to evaluate customer behaviour, application outcomes, fraud trends, approval rates, loss performance, and operational effectiveness.
• Assist in the design, testing, validation, and monitoring of adjudication strategy changes and enhancements within decisioning systems.
• Produce ad hoc analysis and research to support 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 partners across Credit Risk, Fraud, AML, Product, Marketing, and Operations to understand business requirements and support cross-functional initiatives.
• Contribute to the continuous improvement of data assets, reporting processes, analytical methodologies, and decision-support tools.

Let's Talk About You

• 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. New graduates with strong technical and analytical capabilities are encouraged to apply.
• 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.

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 Bank's additional office space located at 2200-25 Ontario Street, Toronto, ON.