Senior Credit Risk Analyst - Lightspeed, Toronto and Montreal Financing, Financial, IR Jobs

Lightspeed is seeking an experienced and highly skilled Senior Credit Risk Analyst with previous credit risk modelling experience to join our growing team.

As a Senior Credit Risk Analyst, you will play a crucial role in leveraging data-driven insights to enhance our business strategies, drive innovation, and optimize decision-making processes. The primary role for this position is to help set up various predictive models aimed at the growth of our capital lending product while ensuring optimum risk management. You will collaborate with cross-functional teams to deliver actionable solutions that drive our organization's growth and success.

The primary role for this position is to help set up various predictive models aimed at the growth of our capital lending product while ensuring optimum risk management

ROLE:

Data Analysis and Modeling:
Conduct extensive data analysis using statistical and machine learning techniques to identify patterns, trends, and relationships within datasets and credit risk.
Develop predictive and prescriptive models to forecast market trends, fraud, delinquency, customer behaviour, and other critical business metrics.
Utilize various data sources and data preprocessing techniques to ensure data quality and integrity.
Business Strategy and Insights:
Collaborate with business leaders to understand their challenges and goals, providing data-driven insights and recommendations that drive strategic decision-making.
Identify opportunities to leverage data to improve product offerings, customer experience, and operational efficiency.
Deliver machine learning models for use cases that have a high impact on real-world business applications and fundamentally change business processes.
Model Validation and Performance Monitoring:
Validate and assess the performance of developed models regularly, ensuring their accuracy, stability, and effectiveness over time.
Implement post-processing and monitoring systems to track model performance and detect deviations, providing timely feedback to maintain model integrity.
Data Visualization and Reporting:
Create clear and concise data visualizations and reports to communicate complex findings to both technical and non-technical stakeholders.
Translate analytical results into actionable business insights and present findings to senior management in a compelling and easily understandable manner.
EXPERIENCE:

Master's or Bachelor’s degree in Data Science, Statistics, Computer Science, or Mathematics.
Excellent problem-solving skills, analytical thinking, and thrive in a fast-paced environment.
Proven experience as a Data Scientist, preferably in financial services, with successful project delivery.
Expertise in Python, SQL, and data manipulation using libraries like NumPy, Pandas, and sci-kit-learn.
Solid understanding of machine learning algorithms and statistical modelling.
Familiarity with GCP and cloud platforms for scalable data processing and machine learning.
Strong knowledge of databases, SQL, and data visualization tools (Looker, Tableau, or Power BI).
Effective communication and presentation skills for both technical and non-technical audiences.
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