Hourly Credit Risk Modeling Jobs in Toronto, ON (NOW HIRING)

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 seasoned, forward‑thinking Director, Credit Risk Management & Loss Forecasting to help shape goeasy’s credit risk strategy across our consumer lending portfolios. This role plays a critical part in portfolio management decisions and planning — while leading the organization’s Loss Forecasting & Credit Risk Monitoring Centre of Excellence (COE) in a dynamic and highly competitive environment.

As a trusted partner to senior leadership, you will lead a team responsible for credit risk analytics, credit loss forecasting, stress testing, portfolio monitoring, and enterprise‑wide risk insights. You will work closely with Risk, Finance, FP&A, Treasury, Collections, and Data teams to ensure a unified, consistent, and well‑governed approach to credit risk and loss forecasting across all business units.

What will you be doing?

• Own and govern the credit loss forecasting methodology for the entire organization, ensuring a unified, consistent approach across business units.
• Lead the development, oversight, and continuous enhancement of loss forecasting models, scenario analysis, and stress testing.
• Drive R&D initiatives related to loss forecast modeling, exploring advanced methodologies and analytics to improve accuracy and insight.
• Provide consulting and oversight on analytics and model design, ensuring alignment with enterprise risk strategy and financial planning.
• Act as a strategic advisor to senior leadership, using loss and risk insights to shape overarching credit risk strategy and risk appetite.
• Monitor the credit risk health of the entire organization, identifying emerging risks, trends, and loss drivers through ongoing portfolio surveillance and deep dives.
• Develop and maintain a unified customer risk view and relevant external metrics to support enterprise‑level decision making.
• Create support materials and deliver training for Business Unit teams, reinforcing consistent application of COE standards and methodologies.
• Lead the compilation and delivery of enterprise loss forecasts based on the unified COE framework, with Business Units supplying data, reporting, and context.
• Support multiple engagement levels, ranging from advisory oversight to hands‑on end‑to‑end execution, depending on business needs.
• Provide consulting oversight of credit risk monitoring frameworks, investigations, and targeted analytical deep dives.

What experience do you have?

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related field; advanced degrees or professional designations are an asset.
• 7+ years of progressive experience in credit risk management, portfolio analytics, loss forecasting, or related disciplines within financial services or consumer lending.
• Deep expertise in credit loss modeling, forecasting, stress testing, and portfolio analytics, ideally within non‑prime or near‑prime environments.
• Proven experience leading enterprise‑level loss forecasting frameworks or COE‑style models across multiple business units.
• Strong partnership experience with Finance, FP&A, and senior leadership on forecasting and strategic decision‑making.
• Experience operating in a regulated environment, with exposure to audit, governance, and risk oversight forums.
• Demonstrated people leadership experience, including building, mentoring, and leading analytical teams.
• Strong technical acumen and comfort working closely with data and modeling teams (experience with SQL, analytics tools, or modeling platforms is an asset).
• Excellent communication skills, with the ability to distill complex risk concepts into clear insights for executive audiences.

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.

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

• Performance-based annual bonus and long-term equity incentives designed to support leadership impact and long-term wealth creation.
• As a TSX-listed company (GSY), goeasy offers long-term equity incentives and a strong track record of shareholder returns, giving team members the opportunity to contribute to and benefit from our continued success.
• Employee discounts on furniture, electronics, and appliances.
• MAT & PAT leave top-up.

Leadership & Career Growth

• Access to high-impact, high-visibility roles with direct influence on business outcomes.
• Participation in goeasy’s executive leadership development programs.
• Lead your own development journey with personalized growth plans, supported by coaching and mentorship to help you reach your leadership goals.
• Fuel your personal and professional growth with our Tuition Assistance Program.

Health and Lifestyle

• Immediate enrollment in comprehensive health, dental, and vision benefits.
• Access 24/7 healthcare with Virtual Doctor Appointments.
• Explore a wide range of wellness options through our new Wellhub benefit – from fitness memberships to mental health resources.
• Enjoy a state-of-the-art office space with perks like a games room, healthy snack program, free gated parking, and exclusive access to our on-site private gym and fitness studio at head office.
• Give back with company-paid volunteer days and Company Matched Charitable Donations.

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.