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About the Role

This role supports the development, management, monitoring, and ongoing refinement of customer risk management processes and strategies for PC Mastercard and PC Money products. The role utilizes quantitative analysis, financial assessment, and test-and-learn methodologies to optimize strategies in areas like limit management, APR pricing, delinquency management, collections, and payment holds.

Responsibilities

• Analyze, monitor, and contribute to assigned customer risk strategies across limit management, APR pricing, delinquency management, collections, and payment holds.
• Own assigned optimization opportunities, refining strategies through quantitative analysis, performance monitoring, and test-and-learn approaches.
• Recommend credit risk strategy changes based on analytical findings, financial analysis, portfolio performance, and expected impacts.
• Develop evidence-based recommendations and present findings to leadership for policy and strategy decisions.
• Own assigned analytical workstreams and support implementation activities through analysis, validation, documentation, and stakeholder updates.
• Develop strong working knowledge of credit systems, including TSYS and TRIAD, to support strategy design, implementation, monitoring, and continuous improvement.
• Support continuous improvements to strengthen oversight and governance capabilities.

Requirements

• Post-secondary education or equivalent experience in a quantitative field (economics, business administration, statistics, mathematics, computer science, or operations research) is preferred.
• Minimum of 1–2 years of progressive experience in analyzing problems, implementing solutions, and validating results.
• Proficiency with data management and reporting tools such as Python and SQL is required.
• Proficiency with Microsoft Office suite is required.
• Knowledge of the credit card lifecycle and profit-and-loss financial drivers.
• Working knowledge of credit card host systems, including TSYS, is preferred.
• Experience with adaptive control systems such as TRIAD, FICO Strategy Director, Experian PowerCurve, or comparable decisioning platforms is an asset.
• Good change management experience and discipline, including validation, user acceptance testing, and post-implementation validation.
• Experience within SAS PySpark, and/or R are preferred.
• Storytelling experience with Think-cell or similar tools would be an asset.
• Additional experience with decision-tree software (GCP machine learning, Angoss, or SAS) and optimization software (FICO Decision Optimizer) would be an asset.
• Strong curiosity, problem-solving ability, financial acumen, and interpersonal skills.
• Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, orally and through written presentations.
• Must successfully complete a criminal background check and credit check.

Skills

• Python
• SQL
• Microsoft Office suite
• TSYS
• TRIAD
• SAS PySpark
• R
• Think-cell
• GCP machine learning
• Angoss
• FICO Decision Optimizer

Location

• Toronto, ON

Work Type

• Hybrid

Experience Level

• 1-2 years

Education Level

• Post-secondary education or equivalent experience in a quantitative field

Benefits

• Competitive discretionary bonus
• Market leading RRSP match program
• Medical, dental, vision, life, and disability benefits
• Employee Share Purchase Plan
• Maternity/Parental top-up
• Generous vacation policy and personal days
• Professional development and comprehensive Career Development program

About the Company

• EQ is remaking banking so every Canadian gets ahead, every day, offering a wide variety of financial services from banking and lending, to trust and credit union solutions.
• EQ has been challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences since 1970.
• 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.