Senior Risk Analyst (Credit Risk)

Lightspeed is seeking an experienced and highly skilled Senior Risk Analyst with previous credit risk modelling experience to join our growing team.

As a Senior Risk Analyst, you will play a crucial role in leveraging data-driven insights to enhance our business strategies, drive innovation, and optimize decision-making processes.

The primary role for this position is to help set up various predictive models aimed at the growth of our capital lending product , analyze complex data to develop strategies to mitigate losses and provide actionable insights to support strategic decision-making and ensure regulatory compliance.

You will collaborate with cross-functional teams to deliver actionable solutions that drive our organization's growth and success.

What you’ll be responsible for :

• Data Analysis and Modeling :
• Conduct extensive data analysis using statistical and machine learning techniques to identify patterns, trends, and relationships within datasets.
• Develop predictive and prescriptive models to forecast market trends, fraud, delinquency, customer behaviour, and other critical business metrics.
• Utilize various data sources and data preprocessing techniques to ensure data quality and integrity.
• Machine Learning and AI Solutions :
• Design, develop, implement and maintain cutting-edge machine learning algorithms and AI solutions to optimize business processes, risk assessment, fraud detection, and portfolio management.
• Explore and experiment with state-of-the-art machine learning techniques to improve accuracy and efficiency in financial analysis.
• Business Strategy and Insights :
• Collaborate with business leaders to understand their challenges and goals, providing data-driven insights and recommendations that drive strategic decision-making.
• Identify opportunities to leverage data to improve product offerings, customer experience, and operational efficiency.
• Deliver machine learning models for use cases that have a high impact on real-world business applications and fundamentally change business processes.
• Model Validation and Performance Monitoring :
• Validate and assess the performance of developed models regularly, ensuring their accuracy, stability, and effectiveness over time.
• Implement post-processing and monitoring systems to track model performance and detect deviations, providing timely feedback to maintain model integrity.
• Data Visualization and Communication :
• Create clear and concise data visualizations and reports to communicate complex findings to both technical and non-technical stakeholders.
• Translate analytical results into actionable business insights and present findings to senior management in a compelling and easily understandable manner.

Skills and Qualifications :

• Master's or Ph.D. degree in a quantitative field such as Data Science, Statistics, Computer Science, or Mathematics.
• Proven experience as a Risk Analyst, preferably in the financial services sector, with a track record of successful project delivery and business impact.
• Experience in risk modelling software and tools (e.g., SAS, R, Python, Matlab) and machine learning using libraries such as NumPy, Pandas and sci-kit-learn.
• Solid understanding and practical experience with machine learning algorithms, statistical modelling, and data mining techniques (bonus points for experience with ML engineering and / or operations in a production setting).
• Familiarity with cloud platforms (we are using GCP) for scalable data processing and analysis, as well as, for machine learning model development and deployment.
• Strong knowledge of databases and SQL for data retrieval and manipulation.
• Experience with data visualization tools like Looker, Tableau or Power BI to create insightful reports and dashboards.
• Excellent problem-solving skills, analytical thinking, and the ability to thrive in a fast-paced, results-oriented environment.
• Effective communication and presentation skills, with the ability to communicate complex technical concepts to non-technical audiences.
• Relevant professional certifications (e.g., FRM) are an asset.

What’s in it for you :

• Join a growing team and help us move to the next level
• You can also work from anywhere in the world for 60 days a year (consecutive or non-consecutive). The choice is yours!
• Amazing benefits & perks, including equity for all Lightspeeders
• Constant development of both your skill set and business acumen with limitless growth opportunities
• Lots of autonomy, flexible work culture and the possibility of remote work
• Innovation time to explore and learn at work
• Shaping the company by joining cultural & technical committees
• Tons of growth opportunities into technical or people management roles
• Opportunity to join a fast-paced, high-growth company
• Opportunity to learn, expand your skill set, forge wonderful relationships and make your mark within the diverse and inclusive Lightspeed family, a true Canadian tech success story
• And enjoy a range of benefits that will keep you happy, healthy and (not) hungry.
• Lightspeed equity scheme (we are all owners).
• Flexible paid time off and remote work policies.
• Health insurance.
• Contributions to your pension plan - RRSP.
• Health and wellness benefit of $500 per year.
• Paid leave and assistance for new parents.
• Mental health online platform and counselling & coaching services.
• Training opportunities to grow your skills and career
• Volunteer day.
• Fully stacked kitchen (hot and cold beverages, meals served)
• Happy hours to build your relationships with colleagues after work
Il y a plus de 30 jours