Summary
Overview
Work History
Education
Accomplishments
Timeline
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Ilkin Jafarli

Toronto,Canada

Summary

Results-driven Risk Management professional with over seven years of experience in credit risk and unsecured portfolio management. Expertise in big data analytics, building collections strategies and statistical modeling. Demonstrated success in optimizing risk assessment processes to influence business decisions and enhance financial performance.

Overview

7
7
years of professional experience

Work History

Senior Manager, Risk & Analytics

goeasy Ltd
Mississauga, Canada
07.2022 - Current
  • Managing a $250M lending portfolio within the Enhanced Collections Tool Program, analyzing delinquency trends and loss metrics to provide alternative payment solutions for at-risk customers, achieved a 10% year-over-year reduction in delinquency rates.
  • Driving ad hoc deep dives to manage goeasy’s front-end acquisition portfolio, assess adjudication model effectiveness, and implement credit strategy adjustments to maintain a healthy balance between approval volumes and portfolio risk. Increased net originations by $5M in 2024
  • Led a team to develop a segmentation model for delinquent customers, projected to bring $11M in loss savings over the next three years.
  • Spearheaded a cross-functional initiative with IT, Marketing, Customer Support, and Operations to implement targeted communication and collection strategies. Enhanced call center capacity by 20%, boosting cash collections by 15%.

Manager, Change Management and Process Delivery, Risk & Analytics

goeasy Ltd
03.2021 - 06.2022
  • Built and developed a team of four risk specialists to optimize monthly marketing lead campaigns and manage the Credit Decision Engine
  • Increased loan originations by $20M per year through analysis and implementation of lead campaign pilot test programs
  • Facilitated cross-departmental and vendor collaboration, achieving early delivery of ten UAT system deployments within a single year

Senior Risk Analyst

goeasy Ltd
01.2020 - 02.2021
  • Enriched the modelling attributes library with more than 2000 variables based on customers' spending habits by conducting big data analysis on banking transactional level data
  • Helped the company acquire an additional 5,000 new customers annually by developing a credit scorecard model based on banking attributes to qualify applicants with no credit history
  • Contributed to optimizing the existing Lending Limit system by creating models to forecast the probability of default and conversion for new customers
  • Applied observations to loss forecasting models to capture current trends and communicate to Senior Management to identify risks and opportunities

Risk Analyst

goeasy Ltd
01.2018 - 12.2019
  • Achieved an increase of over $50M in loan offers every year by developing a brand new marketing campaign to give monthly promotional offers to former customers who meet certain risk criteria
  • Recalibrated the existing Bankruptcy Model with the most recent data available to remove the bias in predictions and improve the decision-making capability of the model
  • Saved yearly 6K hours of manual effort in the testing process by automating the existing UAT Testing system with the integration of software such as SAS, Python, and XML Mapper

Education

Master of Arts - Master of Management Analytics

Queen's University
Kingston, ON
04-2022

Bachelor of Science - Mathematics / Risk Management

University of Waterloo
Waterloo, ON
12-2017

Accomplishments

  • We Embrace Technology & Innovation; goeasy Ltd - Dec. 2020
    Awarded for adopting new technologies and fostering innovation
  • Employee of the Month; goeasy Ltd Aug. 2020
    Awarded for my work on fully automating the UAT Testing system

Timeline

Senior Manager, Risk & Analytics

goeasy Ltd
07.2022 - Current

Manager, Change Management and Process Delivery, Risk & Analytics

goeasy Ltd
03.2021 - 06.2022

Senior Risk Analyst

goeasy Ltd
01.2020 - 02.2021

Risk Analyst

goeasy Ltd
01.2018 - 12.2019

Master of Arts - Master of Management Analytics

Queen's University

Bachelor of Science - Mathematics / Risk Management

University of Waterloo

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Ilkin Jafarli