Full-Time Senior Credit Risk Analyst

About the RoleReporting to the Director of Credit Risk, you'll be providing ongoing monitoring on the health of all credit products and performance/effectiveness of credit strategies. You’ll also be leading the credit provisioning and portfolio evaluation process to ensure ongoing adequacy of the credit reserves.

This role offers a broad base of exposure to multiple areas of risk management, with an opportunity to make a significant impact within our organization.

What You'll Do

• Create weekly/monthly/quarterly reporting or dashboards of key financial and risk metrics at both product and portfolio level
• Build loss forecasting models
• Develop, maintain and implement credit risk models and strategies
• Conduct deep dive or ad-hoc analysis on data and make actionable recommendations
• Monitor performance of credit strategies and improve credit strategies by exploring new and alternative data sources
• Represent the credit risk function and work closely with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting needs and improve reporting

What You'll Bring

• Proven experience in credit risk reporting within a financial institution
• Experience in building credit risk machine learning models
• Experience with Data Visualization tools to build dashboards
• Experience in loan loss forecasting, loss provision and predictive modelling
• Experience with monoline lenders/Fintechs
• Experience with cloud-based platforms such as AWS or GCP
• Proficient in SQL, Python and Excel
• Experience with the use of alternative data or Non-Prime lending
• Strong analytical and problem-solving skills
• Intellectual curiosity and ability to learn quickly
• Clear and effective verbal and written communication skills
• The ability to manage and track multiple priorities

What's In It For You?

• Balance Your Life - Company-wide summer wellness days, winter holiday closure, personal days, a wellness spending account, and maternity & parental leave top-up
• Remote First - Work from anywhere in Canada with a budget to set up your home office
• Level Up - Access to an in-house certified performance coach and an annual training budget
• The KOHO Culture - We have won 7 "Great Place to Work ®" awards since 2019
• Be an Owner - Every KOHO employee gets a generous amount of equity with a 10 year exercise window

What is the last date for applying to the job?

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