Sr Credit Risk/Data Analyst

Job Title: Sr Credit Risk/Data Analyst

Location: Toronto, ON (Hybrid)

Estimated Duration: Fulltime

The Role
As a Senior Credit Risk Analyst, Collections, you’ll play a pivotal role in shaping credit and collections strategies within a fast-growing portfolio. This position is ideal for a data-driven professional who is passionate about using advanced analytics to strengthen risk management while enhancing the customer experience. You’ll partner across teams to deliver the analytical foundation needed to balance business growth with a strong risk posture.
What you’ll be doing:
• Serve as the analytical owner for designing, testing, and implementing innovative collections strategies. Leverage credit risk and/or collections models to ensure decisions strike the right balance between revenue and risk throughout the customer lifecycle.
• Maintain operational reporting to evaluate the performance of collections strategies across lending products. Compare results against internal targets and industry benchmarks, and deliver concise, insight-driven summaries. Go beyond standard reporting by identifying what’s working, what’s not, and where opportunities lie.
• Establish and maintain strong risk controls across the testing lifecycle, identifying potential issues early and mitigating risks associated with new strategies.
• Act as the analytical “eyes on the ground” for the Collections function. Independently conduct deep-dive analyses using advanced analytics and machine learning to uncover emerging risks and opportunities across the credit lifecycle. Translate findings into actionable recommendations that guide strategic decisions.

• Collaborate closely with Credit Operations to ensure seamless rollout and execution of new strategies, while offering insights that support operational goals.
• Serve as a subject matter expert partnering with teams such as Product, Engineering, and Finance to embed robust credit risk controls into new features and initiatives.
• Build a strong understanding of credit loss typologies, product structures, and industry best practices. Proactively expand your analytical skill set and explore new tools and methods.
• Work with internal partners (e.g., Product, Technology, Growth, Finance) to identify enhancements to credit risk and collections policies.
• Produce insightful analyses that monitor portfolio performance and highlight meaningful trends, directly supporting strategic decision-making.
Detailed responsibilities include:
o Developing collections strategies across early delinquency, late delinquency, and charge-off stages
o Interpreting applicable credit policies and industry regulations, and assessing their impact on existing and upcoming initiatives
o Designing and implementing financial solutions to support customers experiencing short-, medium-, or long-term hardship
o Managing decisioning systems and overseeing logic and rules used for real-time eligibility and contact-channel decisions
o Assessing credit quality within the lending portfolio, identifying emerging risks, and presenting findings to senior leadership
o Creating and maintaining delinquency metrics and indicators, including recommendations on risk appetite and benchmarks
Who we’re looking for:
• 5+ years as a Credit Risk Data Analyst, ideally within financial services or fintech
• Strong SQL proficiency for querying, manipulation, and analysis; Python experience is an asset. Comfortable with BI and visualization tools such as Looker, Tableau, or Power BI.
• Exceptional ability to break down complex problems and apply credit risk concepts and methodologies.
• Curious, proactive, and skilled at identifying root causes and proposing practical solutions.
• Strong interpersonal and communication skills, with the ability to work collaboratively with both technical and non-technical stakeholders.
• Understanding of key delinquency drivers and a commitment to continuous learning and adopting best practices.