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About the Role

The Analyst, Credit Risk Management is responsible for executing independent credit risk oversight through the analysis, monitoring, and reporting of single-family residential mortgage, reverse mortgage and consumer lending portfolios. The role provides data-driven insights to Risk leadership to strengthen enterprise-wide consistency, transparency, and governance of lending risk. This role operates as part of the second line of defense, partnering with first-line lending and credit teams while maintaining independence. The role contributes to the Bank’s risk transformation agenda by enhancing analytical rigor, standardization, and reporting related to lending portfolio risk, including leveraging AI-enabled analytics and automation tools.

Responsibilities

Analyze lending portfolios segmented by geographic region, monitoring lending tiers and related risk indicators.
Assess portfolio performance trends, concentrations, and emerging risks, including analysis of internal credit risk indicators.
Monitor and analyze macroeconomic and regional factors to assess their impact on lending portfolio risk and tiering assumptions.
Identify variances, anomalous trends, early warning indicators, or signs of portfolio drift, perform root cause analysis, and escalate findings.
Lead periodic review and validation of lending tiers and segmentation methodologies, recommending tier upgrades/downgrades.
Prepare recurring and ad-hoc reports and dashboards on lending portfolio performance, regional trends, and key risk metrics.
Support the development of executive-ready materials for Risk leadership and senior stakeholders.
Ensure the accuracy, completeness, and consistency of data used in analytics and reporting.
Partner with first-line lending, credit, and business teams to validate data inputs, clarify assumptions, and gather insights.
Provide independent challenge and recommend tiering updates where appropriate.
Act as a Risk point of contact for analytical inquiries related to lending portfolios and tiering.
Contribute documentation and analysis required for internal reviews, audits, or regulatory requests.
Identify opportunities to improve analytical processes, controls, and data quality.
Support automation, standardization, and reporting enhancements, including the use of AI tools.
Design, build, and maintain agentic workflows and automations using Microsoft Copilot Studio and Power Automate.
Apply emerging AI and automation capabilities responsibly, ensuring alignment with the Bank's risk, governance, data, and model risk controls.
Contribute to broader risk transformation initiatives that strengthen analytical capability and scalability across the Risk function.

Requirements

Undergraduate degree in Finance, Economics, Business, Data Analytics, or a related discipline (or equivalent combination of education and experience).
Typically 1–3 years of progressive experience in risk analytics, portfolio analytics, credit analytics, or a related analytical role.
Strong analytical and problem-solving skills, with the ability to interpret complex datasets and translate insights into clear findings.
Proficiency in Microsoft Excel and experience working with reporting, visualization, or analytics tools (e.g., Power BI).
Experience in a regulated financial services environment is an asset.
Proficiency in SQL for data extraction, querying, and filtering large datasets.
Strong business and risk acumen, including understanding of residential mortgage lending and credit risk terminology and key risk drivers.
Strong attention to detail and demonstrated commitment to data accuracy and integrity.
Clear written and verbal communication skills, with the ability to present analytical insights to non-technical stakeholders.
Ability to manage competing priorities in a deadline-driven environment with appropriate guidance and supervision.
Familiarity with AI-assisted analytics or low-code automation tools such as Microsoft Copilot Studio and Power Automate, and an interest in building agentic workflows is an asset.
All candidates considered for hire must successfully complete a criminal background check and credit check.

Skills

Microsoft Excel
Power BI
SQL
Microsoft Copilot Studio
Power Automate
Risk analytics
Portfolio analytics
Credit analytics
Data analysis
Reporting
Visualization
AI-assisted analytics
Low-code automation

Location

Toronto, ON

Work Type

Hybrid

Experience Level

1-3 years

Education Level

Undergraduate degree in Finance, Economics, Business, Data Analytics, or a related discipline

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
Virtual events
Professional development and comprehensive Career Development program

About the Company

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.
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.

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.