Analyst, Credit Risk Scoring

Join a Challenger

At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.

We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences.

What's kept us moving? The people behind it all: challengers who ask better questions, push back on old assumptions, and look for a better way forward.

If you're driven to help reshape how banking works for Canadians and the businesses that power our economy, this could be your next big opportunity.

We can’t wait to get to know you!

The Analyst, Credit Risk Scoring supports the development, monitoring, validation, and optimization of credit risk, fraud, and account management scorecards used throughout the customer lifecycle. Through portfolio analytics, model performance monitoring, customer segmentation, and statistical analysis, the analyst helps generate insights and recommendations that support scorecard strategy, model governance, risk management, and business decision-making. The role provides exposure to predictive analytics, credit scoring methodologies, machine learning concepts, and decision science within a regulated financial services environment.

• Analyze customer, portfolio, bureau, and scorecard performance data to identify emerging trends, opportunities, and risk signals across acquisition, account management, collections, and fraud strategies.
• Support the development, monitoring, recalibration, and optimization of scorecards and alternative risk frameworks through quantitative analysis and performance evaluation.
• Produce recurring score monitoring reports and dashboards, including score stability, predictive power, segmentation performance, portfolio outcomes, and key risk indicators.
• Monitor model and scorecard performance using industry-standard metrics such as GINI, KS, AUC, PSI, bad rates, approval rates, and portfolio profitability measures.
• Support the investigation of score performance shifts, model drift, data anomalies, and emerging portfolio trends.
• Develop and maintain SQL queries, analytical datasets, automated reporting solutions, and dashboards to improve monitoring efficiency and governance processes.
• Apply statistical techniques, machine learning concepts, and data visualization tools to generate actionable business insights.
• Prepare presentations and analytical summaries supporting score strategy reviews, model governance forums, and management discussions.
• Collaborate with stakeholders across Credit Risk, Fraud, AML, Product, Marketing, Technology, and Model Risk Management.
• Contribute to continuous improvement initiatives related to model monitoring, reporting automation, data quality, and analytical processes.

• Bachelor's degree in quantitative discipline such as Statistics, Mathematics, Engineering, Computer Science, Data Science, Physics, Economics, or another STEM-related field.
• 0 to 5 years of experience in data analytics, business analytics, risk analytics, financial services, consulting, or a related quantitative field. New graduates with strong technical and analytical capabilities are encouraged to apply.
• Strong technical proficiency in SQL and Python, with demonstrated ability to manipulate, analyze, and interpret large datasets.
• Strong analytical and problem-solving skills with the ability to translate data into meaningful insights and recommendations.
• Excellent attention to detail and commitment to data quality and accuracy.
• Effective written and verbal communication skills, with the ability to explain…