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About the Role

As a Risk Analyst on the IFRS9 team, you will play a crucial role in building expected credit loss models for PC Bank’s financial products. You will contribute to driving business meaning and enhancements to existing models, using your curiosity and data storytelling skills to unravel hidden insights within the data. This role offers a rewarding experience, providing an opportunity to make a tangible impact on the bank's risk management strategies while fostering professional growth and development.

Responsibilities

Collaborate with cross-functional teams to develop and enhance expected credit loss models, ensuring compliance with regulatory requirements and industry standard processes.
Conduct in-depth data analysis and interpret complex financial data to identify patterns, trends, and potential risks.
Apply statistical techniques and quantitative methods to validate, calibrate, and back test credit risk models.
Engage with partners to understand business requirements and translate them into analytical solutions that enhance decision-making processes.
Create insightful reports, presentations, and dashboards to communicate model outputs, findings, and recommendations effectively.
Stay updated on emerging industry trends, regulatory changes, and advancements in credit risk modeling methodologies to continuously improve existing models.
Collaborate with the risk management team to implement model enhancements and provide ongoing support for model performance monitoring and validation.

Requirements

Bachelor's or Master's degree in a quantitative field such as Mathematics, Statistics, Economics, or related fields.
Demonstrated experience in risk management, credit risk modeling, or a similar analytical role within the financial services industry.
Strong proficiency in statistical modeling techniques, data analysis, and quantitative methodologies.
Proficient in programming languages such as Python or R, with experience in data manipulation, analysis, and visualization.
Excellent communication skills, with the ability to effectively convey complex concepts and findings to both technical and non-technical partners.
A passion for storytelling with data and the ability to uncover meaningful insights to drive business decisions.
Detail-oriented mentality, with strong problem-solving and critical thinking skills.
Ability to work in a collaborative team environment and manage multiple priorities with a positive and adaptable attitude.

Skills

Statistical modeling techniques
Data analysis
Quantitative methodologies
Python
R
Data manipulation
Data analysis
Data visualization
Communication skills
Problem-solving
Critical thinking
Model performance monitoring
Model validation

Location

500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9

Work Type

Full-time

Experience Level

Risk management experience
Credit risk modeling experience
Analytical role experience in financial services

Education Level

Bachelor's degree in a quantitative field
Master's degree in a quantitative field

Salary/Compensations

$52,000.00 - $71,500.00 per year

About the Company

PC Financial offers unprecedented value to Canadians through payment products.
We're a different kind of bank with a different type of team—we’re collaborative and supportive and have the freedom and responsibility to thrive.
Our purpose is to make the everyday simple and better for our customers, and we strive to make every dollar worth more.
Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day.
As a subsidiary of Loblaws Company Inc., we share the CORE values of Care, Ownership, Respect and Excellence.
We are dedicated to helping Canadians Live Life Well.
We are an organization committed to transforming the everyday banking experience, and providing our customers with the unprecedented value they deserve.
We're looking for entrepreneurial spirits to drive this vision forward, and because our business model is one-of-a-kind, our talent has to be just as unique.
We will equip you with the freedom to envision, conceptualize and collaborate in a fast paced environment, and you’ll discover what it’s like to push the limits and draw on the talent of your peers.
This experience empowers our colleagues on their journey every day, making our promise and vision simple.
Come work for a Canadian bank that thinks differently.

Equal Opportunity

We recognize the importance of a diverse workforce and we therefor encourage applications from Aboriginal Peoples, women, members of a visible minority and persons with a disability.
PC Financial recognizes Canada's diversity as a source of national pride and strength. We have made it a priority to reflect our nation’s evolving diversity in the products we sell, the people we hire, and the culture we create in our organization.
Accommodation is available upon request for applicants and colleagues with disabilities.
In addition, we believe that compliance with laws is about doing the right thing. Upholding the law is part of our Code of Conduct – it reinforces what our customers and stakeholders expect of us.