Credit Analytics Risk Manager

WHO WE ARE

HomeEquity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, with a growing portfolio. As the only bank solely dedicated to serving homeowners 55 and up, we're passionate about helping Canadian homeowners live retirement on their terms. We live that commitment every day, with a range of reverse mortgage solutions that include our flagship CHIP Reverse Mortgage product.

OUR VALUES, OUR PASSION

• Customer-Focused. Passionate Advocates
• Courage to Act. Do the Right Thing
• One Team. One Vision
• Think Long-Term. Ever-Evolving
• Be Exceptional. Inspire Greatness

POSITION SUMMARY

Join HomeEquity Bank's growing Risk Management team and help shape the future of responsible lending in Canada's reverse mortgage market. In this role, you will be a key driver in advancing the Bank's Credit Risk Management Program through data, analytics, and cross-functional collaboration, with expansion to areas like climate risk. As part of the second line of defense, you'll provide independent challenge, analytical insights, and strategic guidance that empower informed decision-making across the organization. Beyond traditional risk activities, this position offers exciting exposure to emerging disciplines such as climate and geolocation risk analysis, reflecting the Bank's forward-looking commitment to regulatory compliance, sustainability, and innovation. You'll collaborate closely with teams across Product, Data & Analytics, and Operations to translate data-driven insights into actionable risk strategies that strengthen our portfolio and protect our customers.

Key Responsibilities

• Credit and Operational Risk Oversight - Conduct comprehensive risk assessments, control effectiveness testing, and monitoring activities across Credit, Mortgage Lending, and Operations.
• Insightful Reporting & Data Visualization - Build and enhance data-driven risk dashboards using a combination of visualization tools, produce analytical insights for senior management and Board reporting.
• Analytics Model Development and Validation - Perform risk-based credit model development and enhancement, validation of credit models and support analytic reviews leveraging SQL, Python, Pyspark or data visualization tools.
• Product/Project & Initiative Risk Reviews - Evaluate new products, projects, and initiatives against the Risk Appetite Framework to ensure strategic and regulatory alignment.
• Advisory & Challenge - Review escalated credit cases, perform enhanced due diligence, and provide independent recommendations to senior leaders on risk suitability.
• Continuous Improvement - Strengthen policies, procedures, and frameworks to embed best practices in credit and enterprise risk management.
• Issue Management & Audit Support - Partner with business units to address audit or regulatory findings using data and analytics, ensuring timely and sustainable remediation
• Promote Risk Culture - Foster awareness and understanding of credit, operational, and fraud risk across the Bank through collaboration, communication, and training.
• Drive Enterprise Risk Excellence - Support the execution and continuous improvement of the Bank's ERM framework to ensure consistency, transparency, and alignment with risk appetite and business strategy.
• Innovation in Risk Practices - Contribute to cross-functional projects such as expanding GRC platforms or integrating new data domains, including geolocation and climate risk analytics.

SKILLS AND EXPERIENCE REQUIRED

Qualifications

• Bachelor's degree with 7+ years of experience in data and analytics, ideally within financial services with experience in risk management (Good-to-Have: Familiarity with OSFI regulatory frameworks (e.g., B-20, B-15, E-21, E-23) and practical experience applying them in a financial institution.
• Advanced proficiency in MS Office, with experience using data visualization tools (e.g., Looker, Tableau, Power BI).
• Working knowledge of SQL, Python and Pyspark and tools like databricks to support data-driven risk insights, and familiarity with using AI tools to improve code productivity.
• Data Exposure: financial data, operation data and climate or geolocation data analysis considered an asset.
• Proven experience designing, executing, and communicating risk assessments, monitoring, and testing programs.
• Strong knowledge of credit life-cycle management and industry best practices in enterprise and credit risk.

Attributes for Success

Strong analytical and problem-solving mindset with high attention to detail; high intellectual curiosity with the aptitude to continuous learning. Strong verbal and written communication skills, capable of presenting complex findings clearly and managing communications with sales, operations and products. High professional integrity and collaborative spirit, with ability to manage multiple priorities with minimal supervision in a