Data Analyst – Credit risk, Mortgages

  • Date Posted Aug 17, 2022
  • Location Toronto, Ontario
  • Job Type Contract
  • Job ID 14965

Do you give meaning to data? Do you enjoy investigating complex problems and making sense of information? Are you confident in your ability to communicate detailed information in an impactful way? Then, Here is an opportunity for you!

Working with one of the top financial clients this role calls for a Data Analyst – Credit risk, Mortgages who will be responsible for providing data-driven analyses for the purpose of continuously improving the acquisition, account management or collection of delinquent accounts for retail lending products.  This position requires specialized knowledge of the automated systems used for the retail lending portfolios to determine options and make recommendations that balance the risk/reward tradeoff, within the client’s risk appetite, in the design of credit risk strategies that drive new revenue opportunities.

Responsibilities:

  • Conduct detailed quantitative analysis work to support the development and execution of business rules testing within the existing decision engine.
  • Monitor the integrity and interpretation of all data analysis output provided to ensure accuracy.
  • Generate ad-hoc reports, queries and post-analysis to monitor system decisions.
  • Work with Sr. Managers and the Director to conduct analysis and/or draw pertinent information needed to make strategy changes.
  • Develop strategies for prioritization and segmentation of delinquent or high-risk accounts using statistically valid champion/challenger methodology.
  • Participate in the monitoring of the portfolio/scorecards to detect any signs of degradation
  • Provide analytics support for ad-hoc requests to provide deeper insight into credit risk exposure for the mortgages and personal lending portfolios
  • Apply combination of computer skills, credit knowledge and creative problem-solving skills to meet internal client needs.
  • Monitor the integrity and interpretation of all data analysis output provided to ensure accuracy.
  • Develop a sound understanding of the retail lending and mortgages portfolio data, and system master files – to ensure that data sourced for analytics may be relied upon
  • Maintain a current knowledge of industry trends through research, best practices, and investigation/assessment of the latest credit risk management technologies/methodologies.
  • Assist with the mentorship, support and development of analyst colleagues by sharing knowledge to facilitate best-practice thinking and techniques.

Desired skill set:

  • 2-3 years of solid relevant data analysis experience.
  • Expert knowledge of SAS, Knowledge of SQL, Tableau or other database query tools used for analytics.
  • Excellent PC skills including MS Office software especially advanced MS Excel
  • Knowledge of retail credit, credit risk, portfolio performance drivers and strategies.
  • Understanding in understanding reporting variables and changes to data environments
  • Good understanding of Credit Bureau data and its uses in risk management strategies or scoring.
  • Demonstrated experience gained in an analytic operation.
  • Expertise in evaluating complex data relationships; able to develop strategies based on the knowledge gained through analysis of the data.
  • Well-developed analytical skills. Able to conceptualize, research, compile and translate analytical findings into meaningful strategies or recommendations
  • Proactive self-starter with the ability to prioritize and highly committed to meeting deadlines
  • Communication: ability to convey technical information in understandable terms – both written and verbal
  • Flexibility to adapt to an evolving environment with shifting priorities. Team player.
  • University degree in Business (B. Comm. / MBA), Finance, Economics, Applied Science/Math, Engineering or related field.

Nice to have:

  • Previous experience working in a Financial Institution
  • Understanding of the residential mortgage and secured/unsecured lines and loans business
  • Knowledge of systems used for mortgages and personal lending  
  • Knowledge of Acquisition or Adaptive Control systems

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