Senior Manager, Collection Analytics & Strategy (Credit Risk)

Join one of Canada’s fastest-growing companies and be part of something extraordinary – welcome to goeasy! At goeasy, our people and culture are at the heart of everything we do, and we’re proud to be recognized for it. We’ve earned prestigious accolades such as Waterstone Canada’s Most Admired Corporate Cultures, Canada’s Top Growing Companies, and the TSX30, highlighting us as one of the top performers on the TSX. We’re also honoured to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women & Most Trusted Executive Teams, and included on TIME Magazine’s 2025 list of Canada’s Best Companies.  These honours reflect our commitment to fostering an inclusive, high-performance culture where talent thrives and innovation drives us forward. 

As one of Canada’s leading alternative consumer lenders, we’re passionate about helping everyday Canadians create a brighter future. Our vision is to provide a path to a better tomorrow, today. We offer a full range of products, including non-prime leasing, unsecured and secured loans, and point-of-sale financing through easyhome, easyfinancial, and LendCare.

If you're seeking an exciting, high-growth environment where your contributions truly matter, we want to hear from you! Join us, and together, let's create a future of financial empowerment.

We are seeking a Senior Manager, Collection Analytics & Strategy (Credit Risk), who is passionate about joining a winning team and growing their career! Your role is part of a collaborative risk and analytics team and you will work in partnership with executives and management who lead the different areas of our business that support our continued growth, with dedicated support to LendCare Collection Department.

What will you be doing?

Data Mining, Modeling, and Analysis

• Identify, evaluate, and review the collections portfolio to uncover opportunities for developing a risk-based segmentation strategy that optimizes collection activities.
• Assess and monitor credit risk trends, ensuring adherence to authorized risk tolerance parameters, and provide insights to support senior management decision-making.
• Apply deep analytical expertise to diagnose, document, and report drivers of unexpected changes in portfolio/origination composition and credit performance. Communicate findings, forecast potential impacts on losses, and present recommendations to senior management.
• Analyze and recommend improvements to collections decisions, underwriting strategies, and existing reports, processes, and procedures.
• Contribute to building a robust data infrastructure for model development and analytics. Deliver meaningful analysis that drives collection strategy optimization, including customer risk segmentation to improve the portfolio’s risk-reward profile. Use financial services knowledge to understand profitability and performance drivers and design programs that optimize net financial contribution.

Forecasting and Reporting

• Build and maintain a standard set of risk and performance reports to evaluate overall credit risk, with a focus on collections.
• Monitor and maintain comprehensive reports to identify delinquency and charge-off trends at vintage and segment levels. Apply observations to loss forecasting models and communicate risks and opportunities to senior management.
• Conduct sensitivity and scenario analyses to understand the impact of external factors, policy changes, and operational adjustments on delinquency and charge-off levels.

What experience do you have?

• 4–6 years of progressive experience in retail and/or financial services credit risk management and analytics, supported by a degree in statistics, mathematics, or a related discipline (advanced degree preferred).
• Strong knowledge of credit risk and portfolio management principles, with practical experience in data mining, statistical modeling, and risk segmentation.
• Proven ability to analyze complex problems, detect trends, and translate data into actionable solutions, supported by excellent communication skills.
• Experience leading a team of analysts, with demonstrated ability to build relationships and drive collaboration.
• Hands-on expertise in credit risk decisioning, underwriting strategies, and policy implementation, using analytical and problem-solving skills.
• Advanced technical knowledge of statistical analysis and modeling techniques in a retail credit risk environment.
• Proficiency in data extraction and modeling tools, including SAS and SQL.
• Ability to adapt to changing priorities, manage multiple demands, and deliver results under tight timelines.

We offer a Flexible Work Program that provides you the ability to work three days onsite per week, from our Pickering or Toronto office.

Internal Applicants: please apply through the link and provide written endorsement from your current manager.

Why should you work for goeasy?

In keeping with our mission to create better tomorrows for our employees, each year goeasy commits to continuously enhancing its total rewards. Here are some of the perks we offer…

Financial Benefits:

• RRSP matching and Employee Share Purchase Plan programs.
• Annual bonus that rewards your hard work and dedication.
• Employee discounts on furniture, electronics, and appliances.
• MAT & PAT leave top-up.
• Expand your financial knowledge through engaging Financial Literacy Learning opportunities.

Health and Lifestyle:

• Enjoy company-paid volunteer days to give back to the community.
• Access 24/7 healthcare with Virtual Doctor Appointments.
• Personalize your benefits with a flexible modular benefits package.
• Stay fit and energized with exclusive access to our on-site private gym at our head office.

Employee Perks:

• Fuel your growth with the Tuition Assistance Program.
• Double the impact of your generosity with Company Matched Charitable Donations.
• Internal development training programs and platforms including job-specific training, career coaching, leadership excellence, mentorship, and many others.
• Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!

Diversity, Inclusion, and Equal Opportunity Employment:

At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. goeasy is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. As an equal opportunity employer, we are committed to providing accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. Please let the talent acquisition team know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs.  

Additional Information: 

All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. We thank all interested applicants; however, we will only be contacting those for interview who possess the skills and qualifications outlined above.