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About the Role
The Analyst, Credit Risk, reports to the Director, Credit Risk Management, and supports the leadership team with respect to the management of credit risk across the Bank. This role will involve portfolio analytics, quality assurance, ad-hoc analysis and reporting across retail lending. The ideal candidate will possess expertise in evaluating the portfolio for actionable insights critical to decision-making.
Responsibilities
- Monitor the credit card loan portfolio and perform analytics for identifying relevant trends, insights and provide ad-hoc credit risk reports to members of senior management and to support quarterly board reporting
- Assist in the development and implementation of strategic risk management initiatives
- Collaborate cross-functionally to provide valuable insights supporting decision-making processes
- Generate and present reports, leveraging strong proficiency in SQL, Python, Power BI, PowerPoint and Excel
- Liaise with leaders in all functional areas of credit risk management to understand performance pertaining to complete product lifecycle: Account Acquisition, Portfolio Management, Collections, and Fraud
- Support credit and fraud loss forecasting endeavors by incorporating and communicating emerging credit risk trends
- Review and validate the completeness and accuracy of financial, corporate, and credit documentation and results, ensuring consistent data integrity in internal systems
- Identify and document QA observations, including potential fraud indicators or emerging risk trends, and support frontline teams in addressing these issues
- Produce monthly reporting package that monitors overall credit quality of the portfolio, determines if the bank is operating within the established risk appetite, and provides oversight and governance of credit risk strategies
Requirements
- Minimum 1 year of experience in the financial services industry
- Post-secondary education (diploma/degree), in a quantitative field (Statistics, Mathematics, Computer science, Economics, Business Administration, Finance)
- An understanding of the overall Banking Industry, particularly the Credit Risk Management Lifecycle for mortgages and related products
- 1-2 years experience in business analysis, business process, data analysis, data mining, data visualization and reporting, including project and co-op work
- Solid proficiency in Python, SQL, Power BI, Excel, PowerPoint, and overall Microsoft Office
- Strong analytical skills, attention to detail, and ability to interpret complex data
- Excellent communication skills, both written and verbal
- Ability to thrive in a dynamic, fast-paced environment
- Understanding of regulatory requirements pertaining to credit risk management
- Must successfully complete a criminal background check and credit check
Skills
- SQL
- Python
- Power BI
- PowerPoint
- Excel
- Microsoft Office
- Business analysis
- Business process
- Data analysis
- Data mining
- Data visualization
- Reporting
- Analytical skills
- Attention to detail
- Communication skills
Location
- Remote
Work Type
- Full-time
Experience Level
- Minimum 1 year
- 1-2 years
Education Level
- Post-secondary education (diploma/degree), in a quantitative field (Statistics, Mathematics, Computer science, Economics, Business Administration, Finance)
Benefits
- Competitive discretionary bonus
- Market leading RRSP match program
- Medical, dental, vision, life, and disability benefits
- Employee Share Purchase Plan
- Maternity/Parental top-up while you care for your little one
- Generous vacation policy and personal days
- Virtual events to connect with your fellow colleagues
- Professional development and comprehensive Career Development program
About the Company
- At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.
- We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences.
- EQB Inc. (TSX: EQB) is the parent company of Equitable Bank, the country's seventh-largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank™.
- EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.
Equal Opportunity
- EQ is committed to building an inclusive, accessible environment where every employee feels valued, respected, and supported.
- We believe our organization is stronger — and our people thrive — when we honour and celebrate diverse experiences, identities, and perspectives.
- We’re equally committed to supporting your growth, both professionally and personally.
- We provide a barrier‑free recruitment process and work environment. If you require accommodations at any stage, we will work with you to ensure you can bring your best self to the process and beyond.
- As part of our recruitment process, EQ uses AI to help screen, assess, and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team.