Senior Analyst, Credit Risk

Community Trust Company; Canada; Hybrid; CAD 85,000 - 105,000; Full time

Benefits offered by this job

Health & wellbeing resources

Paid vacation & sick days

Competitive compensation & benefits

Hybrid work with 3 office days

Career growth opportunities

Community involvement

Diverse & inclusive team

Job summary

Questrade Financial Group of Companies seeks a Senior Analyst, Credit Risk to lead analytics, modeling and insights for credit portfolios. You will develop, validate and monitor risk models, and work with cross-functional teams to refine strategies using Python, SQL and Power BI.

You will contribute to portfolio analytics, reporting and underwriting criteria for retail lending, with a focus on IFRS 9 methodologies and loss forecasting. Hybrid work with strong collaboration is offered.

Qualifications

• Bachelor’s degree or higher in a quantitative field (e.g., Mathematics, Statistics, Economics).
• 2+ years of analytics and segmentation experience in financial services, preferably in retail lending.
• Advanced coding skills in Python and SQL.
• Experience in model development, validation, execution, and monitoring, including statistical and forecasting models.

Responsibilities

• Portfolio analytics and reporting.
• Developing, validating, executing, and monitoring risk models.
• Developing underwriting criteria for adjudication of retail lending products.
• Supporting the implementation of models and strategy in the production system with Technologies.
• Developing and maintaining documentation for reports, models and strategy.
• Generating insights and communicating implications to the team and senior leadership.
• Conducting model performance tracking and validation.
• Recommending changes in credit strategy based on performance.

Skills

Python

SQL

Power BI

Education

Bachelor’s degree or higher in a quantitative discipline

Tools

Power BI

BigQuery

Databricks

Job description

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada

Job Description

Posted Thursday, September 3, 2026 at 4:00 AM

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure.

At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.

Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Senior Analyst, Credit Risk. Could It Be You?

The Senior Analyst, Credit Risk will be responsible for credit risk-related analytics, modeling, monitoring, reporting, and insights. This involves a deep understanding and expertise in leveraging cutting-edge analytics and subject matter expertise to generate loss forecasts and portfolio performance, at an aggregate or segment level. Making insights-driven recommendations related to the portfolio, credit strategy, and credit risk-related methodologies. Developing, validating, executing, monitoring, and refitting predictive risk models (e.g., probability of default and Loss Give Default modeling for IFRS 9).

Performing periodic or ad-hoc analyses on large datasets using data analytics tools and software, such as Python, SQL, BIG Query, and Power BI, and generating reports and insights regarding the performance of models, products, and portfolios in aggregate and at a segment level.

This role will work with a cross-functional team on credit strategies and the associated decisioning process, and loss or forecasting models.

In this role, responsibilities include but are not limited to:

• Portfolio analytics and reporting.
• Developing, validating, executing, and monitoring risk models.
• Developing underwriting criteria for adjudication of retail lending products.
• Supporting the implementation of models and strategy in the production system working with Technologies.
• Developing and maintaining documentation for reports, models and strategy.
• Generating insights and communicating the insights and their implications to the team and to senior leadership.
• Devising a Test & Learn approach in credit decisioning.
• Conducting model performance tracking and validation.
• Recommending changes in credit strategy based on credit performance.
• Proactively identifying issues and conducting root cause analysis.
• Impact assessment.
• Data processing using Python and data manipulation using Microsoft Power BI.

So are YOU our next Senior Analyst, Credit Risk? You are if you…

• Hold a Bachelor’s degree or higher in a quantitative discipline e.g., Mathematics, Statistics, Economics
• Have 2+ years of analytics and segmentation experience in financial services, preferably in retail lending
• Have advanced coding skills in Python and SQL
• Have experience in model development, validation, execution, and monitoring, including statistical and forecasting models
• Are passionate about analytics
• Have the ability to learn and apply new tools
• Have number sense and ability to drill down
• Bring a positive, can-do mindset to our organization, using creative solutions to solve challenges
• Are a strong team player who motivates others to achieve group success
• Establish and build on healthy working relationships with your team and peers
• Use open communication and collaboration to solve problems and manage deliverables
• Work well in a dynamic and fast paced environment with the ability to navigate through organizational change
• Have experience with credit card and mortgage portfolios
• Have proficiency / certification in Microsoft Power BI
• Have experience with BIG Query and Data Bricks
• Have a good understanding of credit risk management

Compensation Information:

Base salary range: $85,000 - $105,000

The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles.

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada