Come join **Home Trust Company** as a **Manager, Risk Modelling and Analytics (18-month Contract)** in our Enterprise Risk Management team
Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.
- *FIRST THING - WHAT YOU NEED TO SUCCEED?**
We are looking for individuals who are dedicated, passionate, and driven to execute with excellence
- *WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER**:
- 18 month contract
- Base salary
- Company events
- Employee Discounts; gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks
- *ABOUT THE ROLE**:
The Manager, Risk Modelling & Analytics is expected to independently perform quantitative portfolio risk analytics, support regular and ad hoc credit stress testing, provide pro-active risk assessment and analysis of emerging credit risks / early warning indicators, forecast Expected Credit Losses, design and development of new origination and portfolio management strategies and support the line of business with quality analytics.
In addition:
- Maintain performance monitoring on new accounts; ensure performance aligns with expected outcomes.
- Proactively identify risk segments that are impacting portfolio performance and recommend enhancements.
- Familiar with the concept of IFRS-9 including PD and LGD.
- Design and develop dashboards to track KPIs and monitor quality of new originations and total portfolio.
- Improve the portfolio’s risk-reward trade-off and recommend enhancements and optimization.
- Support the execution of enterprise stress testing that incorporates forward looking macroeconomic scenarios to support ICAAP and scenario analysis program.
- Develop analytics and insights to find opportunity for revenue growth and loss mitigation.
- Support the development of forecasting models by incorporating economic and portfolio scenarios
- Provide data and insights on all lending portfolios for senior management or external audiences, as required
- Participate as required in a variety of cross-functional teams to support corporate initiatives on digital strategies, new product launch and other high-priority initiative and projects.
- *WHAT WE REQUIRE**:
- Authorized to work in Canada
- Great communication skills
- Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)
- Minimum 5 years in credit risk analytics within a financial institution
- Practical knowledge of leading industry best practices in statistical modelling, especially PD and LGD models for various products.
- Practical knowledge of origination and account management strategy design.
- Data mining, segmentation and statistical model development
- *PREREQUISITE**: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture
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