Analyst, Risk Strategy

Who we are:

Financeit is a point-of-sale financing provider serving some of the largest home improvement and retail organizations in Canada.

Our platform helps businesses close more sales by offering customers affordable monthly payment options for their next big home improvement, vehicle or retail purchase.

We are small enough that you can make an impact within the company and large enough to make an impact in the market.

Financeit is a company where collaboration, inclusivity, fairness, and respect aren’t just ideas that get talked about, but are part of who we are. If such a workplace intrigues you, we hope you’ll join us.

About the role:

This role is for a Risk Strategy Analyst who thrives on using data, advanced analytics, and machine learning to solve problems, particularly in indirect lending. You'll work under the Manager, Risk Strategy – Originations & Fraud, and your main goal will be to optimize decision-making, underwriting, and fraud prevention strategies to maximize long-term profitability.

The ideal candidate can balance deep analytical thinking with practical execution. You'll be involved in analytics deep dives, building new capabilities, and automating processes using technologies like RPA, GenAI, and containerized solutions. The role requires strong qualitative, analytical, and coding skills, as well as excellent communication, collaboration, and problem-solving abilities. You should be excited by the prospect of building predictive models, responding to urgent requests, and translating complex human behavior into algorithms.

Oh, and yes, being fun matters too. A lot.

What you’ll do:

• Assemble, analyze and transform large complex data sets using Python & SQL (or comparable tools) to understand borrower behaviour, identify risk patterns, and support development of origination, underwriting, and fraud strategies.
• Develop, update, and maintain risk decisioning strategies and policies that optimize segment, business-line, and enterprise profitability within the company’s risk appetite.
• Use machine learning to develop statistically-sound segmentations, decision trees, and credit risk, fraud, and loss mitigation prediction models.
• Design and execute exploratory and champion/challenger (A/B) tests to validate and continuously improve risk strategies, policies, and/or rules.
• Continuously improve efficiency by identifying high quality, well-managed data sources and opportunities to apply automation, data pipelines, and AI to your work.
• Partner with cross-functional teams to understand their needs, goals and constraints, and to help operationalize the best solutions possible within timelines.
• Communicate findings and recommendations through compelling visualizations & dashboards with clear & concise executive-level presentations.
• Bring energy, positivity, a critical eye, unimpeachable integrity, a team-first attitude, and a desire to contribute to building something great, together.
• Participate in strategic projects and initiatives related to risk management.
• Document all policies, strategies, data sets, and tools (using tools like Confluence) in ways that ensure clarity and a seamless and accurate internal transfer of knowledge.
• Foster a team culture rooted in dedication, curiosity, and continuous improvement.
• Bring energy, positivity, a critical eye, unimpeachable integrity, a team-first attitude, and a desire to contribute to building something great, together.

Requirements

• University degree in Engineering, Math, Computer Science, Applied Math or Applied Sciences, Finance, or other quantitative discipline.
• 1.5+ years of full-time and/or internship/PEY experience in advanced analytics, data engineering, data science, or financial modeling, preferably with a focus on credit risk management, fraud, actuarial science, or operations analytics.
• Advanced skills in data extraction, manipulation, and modeling are a must with expertise in SQL, Python (scikit-learn, pandas, etc.) and Excel highly preferred.
• Hands-on experience building and deploying decisioning models, data pipelines, or process automation using RPA or AI is a strong asset.
• Familiarity and/or experience with alternative credit and/or fraud data, indirect (B2B2C) lending, business intelligence tools (ex. Tableau, PowerBI, Looker) and/or collections & recoveries strategies are highly valued.
• Must be able to demonstrate highly advanced pragmatic real-world quantitative thinking, judgment, communication (verbal, visual, and written), with advanced problem-solving and analytical skills.
• Must be legitimately curious and passionate about finding the “right answer,” with a detail-oriented mindset and a “healthy sense of paranoia” about quality.
• Must be highly organized and driven, with the ability to manage competing priorities while meeting deadlines.
• Must have a balanced sense of pride and humility, and the ability to thrive in a collaborative environment bringing energy and enthusiasm to team culture.

Benefits

Winner of Canada’s Most Admired Corporate Cultures twice. We offer more than just the basics, take advantage of:

• An award-winning culture with a collaborative & inclusive team.
• Competitive pay and performance-based bonus.
• Committed to flexible work arrangements, offering hybrid workplace options.
• Comprehensive medical, dental and vision coverage + Lifestyle Account.
• RRSP Matching and Parental Leave Top UP Program.
• In office massage, meditation & workout sessions.
• Virtual events such as Lunch & Learns, company parties, fun team activities and charity initiatives.
• Career learning and development programs.

Next Steps:

If what you just read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for a phone interview.

Financeit is an equal opportunity employer. Accommodation is available on request for candidates taking part in all aspects of the selection process.