Product Analyst - Lending and Financing Platform

Enercare Inc. is one of Canada’s largest home and commercial services companies servicing over one million customers across Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, Quebec and New Brunswick. Enercare is the Experts at Home, operating under several brands including Enercare, HydroSolution, and Pioneer Plumbing & Heating.

A proudly Canadian-owned company, we are the Experts at what we do and deeply care about our customers. We value a diverse, collaborative culture, and take pride in our commitment to health and safety, and knowing our work serves and supports our communities every day. No matter your role, we invest in making sure you have opportunities to grow, learn, and become the Expert you want to be.

If you are ready to become one of our Experts, we would love to hear from you.

Role: Product Analyst – Lending & Financing Platforms

Status: Regular, Full Time

Reports to: Senior Product Manager Lending & Financing Platforms

Department: Product and Marketing

Location: Hybrid - Birchmount (Markham) & Remote

Compensation: $69,136 - $110,618

Please note that the compensation range listed includes base salary and potential incentive pay. Incentives such as bonuses are not guaranteed and depend on individual performance and company results. Actual compensation within the range will be determined based on skills, experience, and qualifications.

Summary:

The Product Analyst – Lending & Financing Platforms plays a critical role in the design, optimization, and performance management of our customer financing and loan products. Reporting to the Senior Product Manager, Financing & Loans, this role partners closely with Finance, Risk, Credit, Compliance, Product, Sales and Operations to ensure our lending platforms are scalable, compliant, data driven, and commercially sound.

The Product Analyst translates business objectives and requirements into actionable product insights, platform enhancements, and performance improvements across the full lending lifecycle—from application and underwriting to funding, servicing, and repayment.

This is a highly collaborative, analytically rigorous role suited for candidates with experience in consumer lending, fintech, BNPL, or financial services platforms looking to deepen their impact within a product led organization.

Key Responsibilities:

Analyze end to end lending performance across key metrics including conversion, approval rate, funding rate, loss rate, yield, contribution margin, and customer lifetime value

Support the development and maintenance of dashboards and recurring performance reporting to surface trends, risks, and growth opportunities across financing products

Partner with Product and Finance to support loan economics analysis, scenario modeling, and sizing of product opportunities

Translate complex lending data into clear insights and recommendations for product prioritization and roadmap decisions

Support the Senior Product Manager in defining product requirements, epics, and user stories for lending and financing platforms

Support experimentation and optimization initiatives across the loan application, approval, and servicing journey (e.g., funnel analysis, A/B testing)

Identify friction points, inefficiencies, and manual workarounds within lending processes and recommend product or platform improvements

Contribute to a test and learn culture, using data to validate changes and quantify customer and financial impact

Financial & Business Analysis

Partner closely with Risk, Credit, and Compliance teams to ensure product designs align with underwriting policies, regulatory obligations, and disclosure requirement

Support analysis related to credit performance, risk segmentation, and loss drivers

Ensure lending platforms support regulatory accuracy, auditability, and evolving policy requirements

Partner cross functionally to drive risk adjusted growth, balancing customer experience, approval rates, and portfolio performance

Qualifications:

Bachelor’s degree in Business, Finance, Economics, Analytics or a related field

3–5+ years of experience in a Product Analyst, Business Analyst, or Analytics role within financial services, lending, fintech, or regulated platforms

Strong analytical skills with demonstrated experience working with loan, pricing, credit, or transaction level data

Proficiency in SQL and strong working knowledge of Excel / Google Sheets

Experience building or interpreting dashboards and BI tools (Power BI, Tableau, Looker, or similar)

Experience working with consumer lending, POS financing, BNPL, or installment loan products

Exposure to loan origination systems (LOS), servicing platforms, or payments infrastructure

Demonstrated ability to translate complex business and regulatory requirements into clear product requirements

Strong communication skills, with the ability to influence stakeholders across Product, Engineering, Risk, and Finance

Enercare is an equal opportunity employer. We are co