Risk Analyst/Data Scientist - IT

Requirements :

- Analyze creditworthiness & underwrite SMBs operating in Canadian market.

- Combine & Leverage data from multiple sources: such as customer data, financial statements data, transactional unstructured data to enhance the risk scoring, assigning credit limits & loss mitigation

- Build necessary reporting to track the Portfolio performance, early warning signs and key insights

- Perform various departmental functions, including loan criteria monitoring, credit policy updates & loan tape for credit facilities

- Identifying gaps in the Risk operational processes; manage changes implementation across credit life cycles to enhance efficiency

- Work in tight collaboration with teams like Product & Engineering to manage the end-to-end customer life cycle

- Work with Technology team to drive availability of relevant data, tools and infrastructure and continue to enhance Risk decisioning & automated underwriting capability

Must Have Skills and Work Experience :

- Good coding skills in SQL

- Expertise in one of the data analytics languages eg. R &/or Python.

- 2+ years' experience in Data Analytics roles preferably in Risk Underwriting

- Excellent data management, analytical and problem-solving skills

- Bachelor's/master's degree in engineering, Statistics, Economics, Finance, Mathematics, MBA or a related quantitative field is required.

- Excellent written and verbal communication skills for interaction with internal and external clients

- Self- starter, Detail-oriented & high degree of accuracy.

- Ability to manage time effectively, set priorities and meet deadlines.

- Flexible to work in USA time zones (EST and PST) to collaborate with the broader team.

Good to have :

- Knowledge of USA/Canada lending and credit risk management practices

- Exposure to statistics/Machine Learning