Join one of Canada’s fastest-growing companies and be part of something extraordinary – welcome to goeasy! At goeasy, our people and culture are at the heart of everything we do, and we’re proud to be recognized for it. We’ve earned prestigious accolades such as Waterstone Canada’s Most Admired Corporate Cultures, Canada’s Top Growing Companies, and the TSX30, highlighting us as one of the top performers on the TSX. We’re also honored to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women, and having one of the Most Trusted Executive Teams, and included on TIME Magazine’s 2025 list of Canada’s Best Companies. These honors reflect our commitment to fostering an inclusive, high-performance culture where talent thrives and innovation drives us forward.
As one of Canada’s leading alternative consumer lenders, we’re passionate about helping everyday Canadians create a brighter future. Our vision is to provide a path to a better tomorrow, today. We offer a full range of products, including non-prime leasing, unsecured and secured loans, and point-of-sale financing through easyhome, easyfinancial, and LendCare.
If you’re seeking an exciting, high-growth environment where your contributions truly matter, we want to hear from you! Join us, and together, let’s create a future of financial empowerment.
As a Senior Risk Analyst (Credit Card Portfolio) at easyfinancial, you will apply strategic and analytical skills to optimize our credit card offerings. By collaborating with cross-functional teams, you will identify trends, develop predictive models, and provide actionable insights to improve portfolio performance. Your work will have a direct impact on profitability, customer satisfaction, and risk management, all while driving continuous improvement and innovation in our portfolio strategies.

WHAT EXPERIENCE DO YOU HAVE?

• Bachelor’s degree in Data Science, Mathematics, Computer Science, Economics, or a related field. Relevant certifications (e.g., Machine Learning, Data Science) are a plus.
• Minimum of 3 years of experience as a Senior Analyst or in a similar analytical role, preferably within the financial services or credit card industry.
• Proven experience in building and testing predictive models, analyzing financial portfolios, and recommending data-driven strategies.
• Familiarity with credit card products, customer behavior analysis, and key industry metrics (e.g., delinquency rates, APR, charge-offs, utilization).
• Expertise in data science tools and programming languages (e.g., Python, R, SQL) and machine learning libraries (e.g., scikit-learn, TensorFlow).
• Strong ability to perform statistical analysis and data visualization, with experience using tools like Tableau, Power BI, or similar platforms.
• Excellent communication skills, with the ability to present complex technical findings to non-technical stakeholders clearly and effectively.
• Strong problem-solving skills and the ability to apply strategic thinking to data-driven solutions.
• Experience working cross-functionally, collaborating with teams such as tech, marketing, and product management.
• Ability to lead projects, manage priorities, and ensure successful implementation of solutions.
  We offer a Flexible Work Program that provides you the ability to work three days onsite per week, from our Mississauga office.
  Internal Applicants: please apply through the link and provide written endorsement from your current manager.

• Problem Solving, Data Analysis & Strategic Optimization
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• Identify key issues and opportunities within the credit card portfolio by analyzing large datasets and financial metrics.

• Propose data-driven solutions and strategies to optimize portfolio performance, reduce risk, and improve customer retention.
• Leverage advanced data science techniques, including machine learning and predictive modeling, to uncover insights that drive strategic decisions.
• Develop and test strategies to enhance portfolio profitability and customer experience, ensuring alignment with business objectives.
• Work with stakeholders to identify areas for portfolio optimization, such as product enhancements, pricing strategies, and customer segmentation.
• Collaboration, Communication & Recommendations
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• Collaborate with internal teams, including marketing and product management to implement strategies that improve portfolio performance.

• Partner with data scientists and business analysts to integrate advanced analytics and improve decision-making across the organization.
• Develop and present clear, data-driven recommendations to senior leadership and other key stakeholders.
• Effectively communicate complex analytical findings in a concise and actionable manner, ensuring alignment across teams.
• Model Development, Testing & Fraud Mitigation
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• Build and test predictive models that forecast portfolio performance, customer behavior, and emerging risks.

• Continuously evaluate and refine models to ensure they provide accurate and actionable insights.
• Contribute to fraud mitigation efforts by analyzing transaction and application data to identify potential risks and enhance fraud detection models.
• Work closely with the product management team to develop and implement strategies that minimize portfolio risk while maximizing profitability.
• Continuous Learning, Innovation & Documentation
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• Stay ahead of industry trends and emerging technologies, incorporating innovative approaches to data analysis and modeling.

• Promote a culture of continuous learning by taking on new challenges and responsibilities, while contributing to the team’s growth and knowledge-sharing efforts.
• Document business requirements, analytical methodologies, and model assumptions to ensure clarity and transparency in decision-making processes.