Software QA Analyst

• Develop a company framework for managing channel, individual merchant, commercial product (multi-stage financing), and concentration (ex. sub-vertical, geography, macroeconomic, etc.) risk.
• Build, deploy, maintain, continuously improve ROA-optimising channel and merchant-level underwriting strategies, decisioning criteria, scores & controls.
• Support the development and continuous improvement of ROA-optimising consumer credit policies, strategies and tests for the home improvement and vehicle channels by ensuring that commercial counterparty exposure and channel effects are taken into consideration.
• Obtain internal alignment on and deploy risk policies that are compliant with the organisations risk appetite.
• Monitor strategy performance, develop and execute backtesting, and help guide reporting and trigger requirements - working collaboratively with cross-functional stakeholders as required - to ensure that policies, strategies, and scores are effective and high-performing.
• Conduct regular merchant and loan quality audits and recommend changes to policies and procedures.
• Contribute to the continuous improvement of team efficiency and effectiveness by identifying high quality data sources and opportunities for the team to apply automation to key processes, reports and documentation.
• Go beyond the basics and dig deep into trends, anomalies and analytic findings to link them to actual real-world events, macroeconomic events, industry developments, and/or customer attitudes and behaviours to draw meaningful insights that can improve ongoing business outcomes.
• Work with cross-functional partners to understand and incorporate their ideas and objectives into risk strategies.
• Bring energy, positivity, and a team-first attitude every day, while striving to make the team and yourself better.

• Bachelors degree in a quantitative field (e.g., Engineering, Math, Computer Science, Applied Sciences, or Finance).
• 3-5 years of full-time and/or internship experience in B2B and/or B2B2C (indirect channel) strategy, analytics, data science, credit and/or fraud risk management, or finance with a significant focus on both qualitative (ex. expert judgment / manual underwriting) and quantitative (statistical scorecard development) approaches
• 3+ years of applied experience in building both quantitative and qualitative strategic plans, models and policies
• 3+ years of experience creating senior management ready communications and presentations with Excel, PowerPoint & Word
• Advanced skills in data manipulation and statistical modeling, with proficiency in SQL, Excel, and Python (nice-to-have)
• Experience conducting complex B2B risk assessments, indirect lending / consumer credit risk, or business analysis at a financial institution, a strong asset
• Strong strategic thinking, judgment, communication (verbal, visual, and written), with advanced problem-solving and analytical skills.
• Legitimately curious and passionate about finding the “right answer,” with a detail-oriented mindset and a “healthy sense of paranoia” about quality.
• Highly organized and driven, with the ability to manage competing priorities while meeting deadlines.
• You thrive in a collaborative environment and bring energy and enthusiasm to the team culture.

Information :

• Company : Finance IT
• Position : Software QA Analyst
• Location : Toronto, Ontario
• Country : CA