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Who we are: Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden Park and Fig. Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners'' growth. With a diverse suite of productsresidential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lendingwe offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers. Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada''s leading alternative lending bank. About the role: We are seeking a Senior Growth and Optimization Senior Analyst with expertise in credit risk analytics and growth optimization. This role combines advanced data analysis, scenario modeling, and risk assessment to drive sustainable business growth. You will leverage credit scoring models and risk frameworks to optimize acquisition strategies, improve portfolio performance, and support strategic decision-making. Responsibilities: Growth Strategy & Risk Analysis Identifying growth initiatives using customer acquisition, credit score data, and approval strategies Analyze customer acquisition, retention, and monetization trends with a focus on credit risk segmentation. Modeling & Forecasting Build Customer Lifetime Value, credit risk modeling Build scenario models to evaluate growth strategies under varying risk conditions. Conduct sensitivity analyses to assess portfolio impact and mitigate potential losses. Optimization & Experimentation Design and execute A/B tests and multivariate experiments to improve conversion and risk-adjusted returns. Apply statistical and machine learning techniques to optimize credit decisioning and product performance. Cross-Functional Collaboration Partner with Risk, Product, and Finance teams to align growth initiatives with credit policies and compliance requirements. Present insights and recommendations to senior leadership in a clear, actionable manner. Other Analytics Activities Working with team members on other ad-hoc activities that come in. What we''re looking for: Bachelor''s or Master''s in Analytics, Economics, Statistics, Finance, Engineering or related field. 3+ years in growth analytics, credit risk, or financial services analytics. Experience using credit scoring models and risk frameworks in decision-making. Strong background in machine learning models, optimization techniques and scenario modeling. Advanced proficiency in SQL, Python/R, and data visualization tools (Tableau, Power BI). Familiarity with credit risk modeling, predictive analytics, and experimentation frameworks Strategic thinker with strong business and risk acumen. Excellent communication and stakeholder management skills What you''ll love about working here: Award-Winning Culture: We''re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal''s Top Employers 2025 by Canada''s Top 100 Employers. Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle. Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being. Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance. Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue. Future-Ready Savings: Group Retirement Savings Plan with up to 7% employer match. Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share. On-Site Fitness: Gym access at our London and Montreal offices. Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development. Family Support: Parental leave top-up program to help you during life''s big moments. Community Impact: One paid volunteer day to give back to causes that matter to you. For more information on who we are as an employer click here. What you can expect - pay & process: Expected base salary range is $ $ , plus the opportunity to earn an annual incentive bonus tied to performance. This posting is for an existing vacancy within our organization. Artificial intelligence may be used in parts of the recruitment process. All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. If what you read excites you, we''d like to hear from you Please submit your application and we''ll contact you if you become selected for first stages of the interview process. Learn more: Follow us on LinkedIn: If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application. Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence. Time Type: Full time Job Type: Permanent