Freelance Credit Risk Modeling Jobs in Toronto, ON

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 honoured to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women & Most Trusted Executive Teams, and included on TIME Magazine’s 2025 list of Canada’s Best Companies.  These honours 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.

We’re looking for a Risk Manager, Risk & Analytics to join a collaborative and forward‑thinking risk and analytics team that partners closely with senior leaders across the business. In this role, you’ll support the development, implementation, and oversight of credit risk analysis, monitoring, and controls — helping ensure strong portfolio performance and alignment with our risk appetite. Leveraging strong data mining, modeling, and analytical skills, you’ll identify credit risk trends, inform adjudication and collection strategies, and develop forecasting, benchmarking, and reporting insights that support both business strategy and compliance.

What will you be doing?

• Data Mining, Modeling, and Analysis
  • You will identify, evaluate, review and implement adjudication and collection strategy changes that are aligned with the risk appetite established by Senior Management and approved by the Board.
  • By identifying, assessing, and monitoring credit risk trends, you will communicate adherence to authorized risk tolerance parameters and support Senior Management decision-making.
  • Using deep analytical expertise, you will be able to properly diagnose, document and report drivers of unexpected changes to portfolio/origination composition and credit performance. Your superior communication skills will shine as you communicate your findings, including future impacts to losses and delinquency, and propose recommendations to Senior Management as required.
  • Analyze and make recommendations to improve credit risk decisions around adjudication and collection strategies, along with improvements to existing reports, processes and procedures.
  • Contribute to the development of a robust data infrastructure for model development and analytics. Create meaningful analysis leading to credit strategy optimization, including but not limited to customer risk segmentation development that improves the portfolio’s risk-reward profile. Apply expertise and knowledge of financial services to understand profitability and performance drivers and build programs to optimize net financial contribution.
• Forecasting and Reporting
  • Build and maintain a standard set of risk and performance reports that evaluate the overall credit risk of the portfolio.
  • Monitor and maintain a comprehensive set of reports to identify delinquency and charge off trends at the vintage and segment levels. Apply observations to loss forecasting models to capture current trends and communicate to Senior Management to identify risks and opportunities to the forecast.
  • Oversee and conduct sensitivity and scenario analyses to understand the impact of exogenous factors, policy and operational changes on delinquency and charge off levels.

What experience do you have?

• You have 2-4 years of progressively responsible roles in retail and/or financial services credit risk management and analytics coupled with a degree in statistics, math or a related discipline (advanced degree is desired).
• You will have sound knowledge of credit risk/portfolio management procedures and principles and knowledge and practical application of data mining and statistical principles involved in model development.
• Your analytical, data storytelling,and communication skills will be top-notch, coupled with a proven ability to understand complex problems, detect trends, and understand data to develop and formulate solutions.
• Demonstrated experience in identifying, quantifying, managing, and implementing changes to credit risk decisions and underwriting strategies, policies and procedures through the use and application of analytical and problem-solving skills.
• Strong technical knowledge of statistical analysis, modeling techniques and their application in a retail credit risk environment.
• Possess deep understanding of data extraction/mining/modeling tools including SAS, SQL and Databricks.
• Experience with agentic or generative AI is a plus.

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.

$95,795.00 – $129,605.00 CAD (includes base salary and bonus)

We’re committed to attracting and rewarding top talent. Our compensation ranges are thoughtfully designed to reflect market competitiveness, internal equity, and the experience and impact each candidate brings to the role.

At goeasy, we believe transparency fosters trust — and that rewarding performance with fair, competitive pay and meaningful growth opportunities is key to our success.

Should your total compensation expectations fall above the posted range, we still encourage you to apply. If selected for an interview, you’ll have the opportunity to discuss this with our recruitment team, as there may be flexibility based on your background and overall fit. Total compensation includes base salary and bonus.

This posting is for an existing vacancy within our team.

Why should you work for goeasy?

In keeping with our mission to create better tomorrows for our employees, each year goeasy commits to continuously enhancing its total rewards. Here are some of the perks we offer:

Financial Benefits:

• RRSP matching and Employee Share Purchase Plan programs.
• Annual bonus that rewards your hard work and dedication.
• Employee discounts on furniture, electronics, and appliances.
• MAT & PAT leave top-up.
• Expand your financial knowledge through engaging Financial Literacy Learning opportunities.

Health and Lifestyle:

• Enjoy company-paid volunteer days to give back to the community.
• Access 24/7 healthcare with Virtual Doctor Appointments.
• Personalize your benefits with a flexible modular benefits package.
• Stay fit and energized with exclusive access to our on-site private gym at our head office.

Employee Perks:

• Fuel your growth with the Tuition Assistance Program.
• Double the impact of your generosity with Company Matched Charitable Donations.
• Internal development training programs and platforms including job-specific training, career coaching, leadership excellence, mentorship, and many others.
• Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!

Diversity, Inclusion, and Equal Opportunity Employment:

At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. goeasy is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. As an equal opportunity employer, we are committed to providing accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. Please let the talent acquisition team know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs. 

Additional Information:

All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. We thank all interested applicants; however, we will only be contacting those for interview who possess the skills and qualifications outlined above. 

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