Senior Analyst, Credit Strategy

Who We Are 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. We’ve Got You Covered Compensation Philosophy: Our strategy is simple—we aim to match the market. We regularly review industry standards to ensure our total rewards package is competitive and fair. This commitment helps us attract and retain talented individuals who share our purpose. 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. The Job: Senior Analyst, Credit Strategy We’re looking for a Senior Analyst, Credit Strategy to develop and optimize data-driven credit risk strategies across the customer lifecycle. This role plays a key part in balancing growth and risk by delivering insights, building models, and supporting strategy execution that drives profitable and responsible lending decisions. What You’ll Do Credit Strategy Development & Optimization Design and refine credit strategies across acquisition, underwriting, line management, and collections Develop financial models and scenario analyses to support planning and new opportunities Support execution of strategies across the credit lifecycle Portfolio Analytics & Performance Monitoring Analyze portfolio performance, customer behavior, and risk metrics to identify trends and opportunities Monitor production data and resolve issues to ensure data accuracy and platform stability Policy & Risk Frameworks Support development and evaluation of credit policies and risk appetite frameworks Contribute to initiatives that balance profitability with risk exposure Execute structured testing plans to validate strategy effectiveness Reporting & Insights Build dashboards and reports to track KPIs, credit outcomes, and strategy performance Provide clear insights to stakeholders to support decision-making Experimentation & Continuous Improvement Design and execute A/B tests and champion/challenger experiments Evaluate results and recommend improvements to drive better credit outcomes What You’ll Bring to the Table Experience in credit risk, financial services, or analytics-focused roles Strong analytical mindset with experience in data-driven decision-making Ability to translate complex data into clear business insights Experience working with large datasets and performing advanced analysis Strong communication and stakeholder management skills Ability to work independently while collaborating across teams Curiosity, attention to detail, and a problem-solving mindset Education + Experience Bachelor’s degree in Finance, Economics, Business, or a related field 3+ years of experience in credit risk management or financial services Experience with retail lending, cards, or consumer finance products is an asset Proficiency in tools such as SQL, Python, R, or SAS is preferred Ready to lead If you’re interested in shaping credit strategy, improving risk outcomes, and driving data-led decision-making, this is an opportunity to make a meaningful impact. Committed to Equal Opportunity: MFSG is committed to accommodating applicants up to the point of undue hardship during the recruitment, assessment and selection process. If you are selected for an interview, please notify MFSG if you require accommodation in respect of the materials or procedures used at any time during this process. If you require accommodation, MFSG will work with you to determine how to meet your needs. Please note: The salary range for this position is between CAD $90,000 to CAD $97,000. About MFSG – Our Commitment to Responsible Innovation At MFSG, we are committed to building innovative solutions grounded in ethical, transparent, and responsible use of data and technology. Aligned with the principles outlined in Canada’s Artificial Intelligence and Data Act (AIDA), we take a proactive approach to ensuring that any AI or data-driven systems we use are safe, fair, and accountable. This posting is for a current position within our organization, offering the opportunity to contribute to meaningful, responsible innovation that supports our employees, clients, and communities. We prioritize strong data governance, clear communication around how systems work, and safeguards that reduce risks and protect individuals. Our focus is on developing tools and processes that promote equity, reliability, and trust, supported by ongoing monitoring and continuous improvement. Joining MFSG means contributing to a future-focused organization that values both innovation and integrity, where your work helps shape solutions that responsibly support our employees, clients, and communities.