Director, Underwriting

Embark on a journey with one of Canada's fastest growing companies – welcome to goeasy! We have been honored with recognitions such as Waterstone Canada’s Most Admired Corporate Cultures, the 2022 Report on Business Women Lead Here, Report on Business for Canada’s Top Growing Companies and TSX30 as one of the best performing companies on the TSX. We've also received the Greater Toronto Top Employers Award and certified as a Great Place to Work®. We're on the lookout for the best and brightest to join our team!

Our vision is to provide everyday Canadians a path to a better tomorrow, today.  As one of Canada’s leading non-prime consumer lenders, we offer a full suite of products including non-prime leasing, unsecured and secured loans as well as point-of-sale-financing though easyhome, easyfinancial, and LendCare.  

We are excited to be seeking a Director, Underwriting to lead the development, implementation, and oversight of underwriting policies and procedures for Secured and Unsecured loans at easyfinancial. In this role, you will manage and develop Senior Managers, Team Managers, and 75-85 frontline employees within the Central Loan Approval Office, driving performance and operational efficiencies across the credit origination process. The Director will ensure effective validation and implementation of credit policies to support business growth while fostering a high-performance, results-driven team culture.

What will you be doing?

• Drive monthly service level performance across all work queues.
• Lead ongoing operational improvements to enhance quality, reduce costs and risks, and expedite turnaround times.
• Set Key Result Areas (KRAs) and monthly targets to optimize efficiency and throughput in the Central Loan Approval Office.
• Manage, motivate, and oversee a team of 75-85, providing guidance on recruitment, retention, coaching, and development.
• Oversee compliance with Fraud, Anti-Money Laundering (AML), and Know Your Customer (KYC) regulations and best practices.
• Evaluate and recommend changes to underwriting, policy, procedures, and workflows across retail, online, and indirect channels. Lead change management initiatives, collaborating with key stakeholders.
• Develop and maintain loan origination training materials in partnership with Learning & Development for CLAO and branch staff.
• Oversee the Head Office Exception Approval process, including delegation and training for the Manager and Team Leads.
• Manage the challenge/appeal process for applications turned back by CLAO staff and resubmitted by sales.
• Plan and organize department workflow to meet KRA targets, in consultation with the Manager and Team Leads.

What experience do you have?

• 5-8 years of retail lending, operations, and/or management experience. Call center experience is an asset.
• University degree or equivalent professional experience in a relevant field (e.g., Business, Finance, or Operations Management).
• Proven ability to lead and mentor a diverse group of managers, team leads, and entry-level staff. Strong coaching skills are essential for developing talent across the team.
• Highly developed oral and written communication skills. Must have experience creating and delivering training content and presentations to management and staff at various levels of the organization.
• Strong analytical skills with the ability to analyze data, identify trends, and develop and execute strategies to solve complex challenges.
• Ability to collaborate and communicate effectively with executive leadership (both technical and non-technical), as well as with internal and external stakeholders.
• Hands-on and results-oriented—passionate about getting things done while fostering a culture of accountability and teamwork.
• Proven experience in retail lending operations and credit origination processes across all origination and fulfillment channels.
• Experience in developing and implementing strategies to improve operational efficiency and customer experience within the lending space.

This is an on site role out of our corporate office at 33 City Center Drive, Mississauga.

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:

• Annual bonus that rewards your hard work and dedication (STIP) and Long Term Incentive Plan (LTIP)
• 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.
• Benefits Co-pay plan. 
• 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. This means that we are committed to cultivating and preserving a work culture where we celebrate who we are, where everyone feels seen and heard and where every employee can fulfill their potential. As an equal opportunity employer, we are committed to providing accommodations for applicants upon request at any stage of the recruitment process in accordance with all legislative requirements throughout Canada. Please let us 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.

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