Analyst, Credit Strategy - C$86,528 A Year

At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities. From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it. At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people.

Business Address: 20 Toronto St., Suite 1220, Toronto, ON M5C 2B8, Canada Location of Work Hybrid

In-office 2-3 days per week: 20 Toronto St., Suite 1220, Toronto, ON M5C 2B8, Canada Terms of Employment: Full Time, Permanent, 40 hours per week Language: English

Compensation: $86,528 per year(, with 5% bonus potential) Benefits Discretionary Annual Bonus: Enjoy the opportunity for a discretionary bonus based on individual performance and company success.

Comprehensive Benefits: Our benefits include health and dental plans with 100% of the premiums covered. We also offer an Employee Assistance Program to support your mental well‑being and provide resources for personal challenges. Retirement Plans: Plan for your future with our robust retirement savings options, ensuring you’re set for the long haul. Hybrid Work Environment: Experience the best of both worlds with our hybrid work model, allowing you to balance remote work with in‑office. When you're at our corporate head office, enjoy a relaxed and collaborative environment featuring breakout rooms for brainstorming and unwinding, plus a variety of snacks to keep you energized throughout the day.

Perks and Rewards: Enjoy reimbursement for tuition assistance and professional development, discounts through Perkopolis and participate in our rewards and recognition programs to celebrate your contributions. Duties and ResponsibilitiesThis role is responsible for developing, analyzing, and optimizing data‑driven credit risk strategies to support profitable growth and risk management across the credit lifecycle. Design and refine data‑driven credit strategies across the customer lifecycle (e.G., acquisition, underwriting, line management, collections).

Perform deep‑dive analysis on portfolio performance, risk metrics, and customer behavior to identify trends and recommend actions. Assist in the ongoing evaluation of credit policies and risk appetite frameworks to optimize profitability and minimize losses. Develop performance dashboards and reports to track KPIs, credit outcomes, and the effectiveness of strategies over time.

Design and execute A/B tests and champion/challenger experiments to evaluate strategy performance and drive continuous improvement. Job Requirements Minimum Education:

Bachelor's degree in Mathematics, Financial Analysis, or a related field Work Experience: At least 1 year of experience in credit risk, credit strategy, or analytics within the financial services industry.

Experience with A/B testing, champion/challenger frameworks, and performance tracking. Experience with SAS, SQL, and Python Experience with Credit Risk Modeling

Exposure to automated decisioning systems and real‑time credit decision engines is desired SAS, SQL, Python, or Credit Risk Modeling certifications are desired #J-18808-Ljbffr