Senior Manager, Risk Data & Analytics

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.

As a Senior Manager, Risk Data & Analytics, you will lead the development and implementation of data-driven credit risk strategies that align with the organization’s risk appetite. This role involves deep analytical work to monitor portfolio performance, forecast key metrics, and support senior leadership with actionable insights that optimize credit decisioning and financial outcomes. You’ll also play a key role in building robust data infrastructure and enhancing risk modeling capabilities across the business.

What will you be doing?

• Data Mining, Modeling and Analysis
  • Identify, evaluate, review and implement credit policy and underwriting changes that are aligned with the risk appetite established by Senior Management and approved by the Board
  • Identify, assess, and monitor credit risk trends, communicating adherence to authorized risk tolerance parameters and supporting Senior Management decision making
  • Conduct deep analytical dives to properly diagnose, document and report drivers of unexpected changes to portfolio/origination composition and credit performance. Communicate findings including future impacts to losses and proposed recommendations to Senior Management as required.
  • Assist in the development of risk models for the purposes of origination, account management and collections.
  • Analyze and make recommendations to improve credit risk decision making and underwriting strategies, along with improvements to existing reports, processes and procedures.
  • Contribute to the development of a robust data infrastructure for model development and analytics. Create meaningful analysis leading to credit strategy optimization, including but not limited to customer risk segmentation development that improves the portfolio’s risk-reward profile. Apply expertise and knowledge of financial services to understand profitability and performance drivers and build programs to optimize net financial contribution.
  • Work with various departments to provide risk analytics that evaluate current business processes and enhance decision making capabilities, providing quantitative analysis on a portfolio and segment level
  • Forecast key business metrics including loss rates, approval rates, loan conversion rates, and credit quality for new initiatives and marketing campaigns
• Forecasting and Reporting
  • Develop and maintain a standard set of risk and performance reports that evaluate the overall credit risk of the portfolio.
  • Monitor and maintain a comprehensive set of reports to identify delinquency and charge off trends at the vintage and segment levels. Apply observations to loss forecasting models to capture current trends and communicate to Senior Management to identify risks and opportunities to the forecast.
  • Oversee and conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels.
  • Assist the Vice President, Risk and Analytics in providing an independent assessment of the risk profile and performance of the LendCare (a division of goeasy) portfolio as well as the overall business unit by regularly monitoring key risk indicators, conducting periodic credit reviews, and consistently communicating findings to Senior Management.

What experience do you have?

• 7+ years of progressively responsible roles in retail and/or financial services credit risk management and analytics.
• Sound knowledge of credit risk/portfolio management procedures and principles.
• Degree in statistics, math or a related discipline (advanced degree is desired).
• Knowledge and practical application of data mining and statistical principles involved in model development.
• Superior analytical skills – demonstrated ability to understand complex problems, detect trends, and understand data to develop and formulate solutions.
• Previous experience in a management or supervisory capacity leading a team of analysts.
• Extensive knowledge of retail credit risk and portfolio management, quantitative methodologies, risk models and tools.
• Demonstrated experience in identifying, quantifying, managing, and implementing changes to credit risk decision making and underwriting strategies, policies and procedures through the use and application of analytical and problem solving skills.
• Strong technical knowledge of statistical analysis, modeling techniques and their application in a retail credit risk environment.
• Possess deep understanding of data extraction/mining/modeling tools including SAS and SQL.
• Thrives on working with, and in leading others in a “hands-on” capacity sharing best practices and coaching for future development.
• An energetic and performance-oriented individual with well-developed critical thinking skills and a bias for action.
• Flexibility to adapt to an evolving environment with shifting priorities. Ability to lead a team in such a setting with the capacity to handle multiple competing demands and meet tight turnaround timelines.
• Demonstrated relationship building skills, with the ability to make things happen through the use of positive influence.
• Possess excellent organizational and communication skills, both verbal and written. Able to convey complex information and concepts in understandable terms.

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