Senior Analyst, Credit Risk & Collections

Kinvie; Toronto; On-site; 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

Join a Challenger

At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.

We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences.

What's kept us moving?

The people behind it all: challengers who ask better questions, push back on old assumptions, and look for a better way forward.

If you're driven to help reshape how banking works for Canadians and the businesses that power our economy, this could be your next big opportunity.

We can’t wait to get to know you!

Purpose of the Job

This role supports the development, management, monitoring, and ongoing refinement of customer risk management processes and strategies across the PC Mastercard and PC Money products. The role is responsible for using quantitative analysis, financial assessment, and test-and-learn methodologies to support the optimization of strategies across limit management, APR pricing, delinquency management, collections, payment holds, and related credit risk decision areas.

Job Duties:

• Analyze, monitor, and contribute to assigned customer risk strategies across areas such as 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 approaches to assess effectiveness and identify improvement opportunities.

• Recommend credit risk strategy changes based on analytical findings, strong financial analysis, portfolio performance, and expected customer and business impacts.

• Develop evidence-based recommendations and present findings to leadership to support policy and strategy decisions.

• Own assigned analytical workstreams and support implementation activities by providing analysis, validation, documentation, and stakeholder updates to help ensure deployments meet quality expectations.

• Develop strong working knowledge of credit systems, including TSYS and TRIAD, to support strategy design, implementation, monitoring, and continuous improvement.

• Support continuous improvements to strengthen oversight and governance capabilities.

Let's Talk About You!

• Post‑secondary education or equivalent experience in a quantitative field is preferred, including economics, business administration, statistics, mathematics, computer science, or operations research.
• Minimum of 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 is required
• Proficiency with Microsoft Office suite is required
• Knowledge of the credit card lifecycle and profit‑and‑loss financial drivers.
• Working knowledge of credit card host systems, including TSYS, is preferred.
• Experience with adaptive control systems such as TRIAD, FICO Strategy Director, Experian PowerCurve, or comparable decisioning platforms is an asset.
• Good change management experience and discipline, including validation, user acceptance testing, and post‑implementation validation.
• Experience within SAS PySpark, and/or R are preferred
• Storytelling experience with Think‑cell or similar tools would be an asset.
• Additional 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, orally and through written presentations.

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.

Equity, Diversity & Inclusion

EQ is committed to building an inclusive, accessible environment where every employee feels valued, respected, and supported. We believe our organization is stronger — and our people thrive — when we honour and celebrate diverse experiences, identities, and perspectives. We’re equally committed to supporting your growth, both professionally and personally.

We provide a barrier‑free recruitment process and work environment. If you require accommodations at any stage, we will work with you to ensure you can bring your best self to the process and beyond.

As part of our recruitment process, EQ uses AI to help screen, assess, and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team. All candidates considered for hire must successfully complete a criminal background check and credit check. While we appreciate every application, an EQ recruiter will contact only those whose skills and experience most closely match the requirements of the role.

EQB Inc. (TSX: EQB) is the parent company of Equitable Bank, the country's seventh‑largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank™. EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.

To learn more, visit eqb.investorroom.com and eqbank.ca.