Data Scientist, Lending Portfolio Analytics (Ottawa) en CMHC (Canada Mortgage and Housing Corporation)

About CMHC

The work you do and the work we do together matters. We come to work every day with a common purpose: to contribute to a well-functioning housing system.

At CMHC, we hold ourselves accountable for our results and support our colleagues in their achievements. We thrive on collaboration, connecting across CMHC and involving the right people to get our work done. Our leadership style is guided by trust, where our leaders favour an adaptive approach based on the needs of their teams.

Join us and be part of a team that's committed to making a real difference and be part of something meaningful.

What’s in it for you

We’ve got the purpose, the people and the perks you need for a fulfilling career. Here’s the comprehensive and generous benefits you get when you’re a permanent employee:

• Annual Paid vacation.
• Annual individual performance incentive.
• Defined benefit pension plan.
• Comprehensive group insurance plan to support your well-being from day one.
• Support towards your personal and professional growth with training, mentorship and more. 
• An inclusive workplace culture and environment.

About the role:

Join the Housing Policy and Program team as a Data Scientist, Lending Portfolio Analytics. We are seeking a strategic and analytical professional to monitor and assess financial risks across lending portfolios, using advanced data tools and modeling techniques. This role plays a key part in stress testing, scenario analysis, and aligning risk insights with business strategy, regulatory expectations, and data governance standards.

What you'll do:

• Monitor financial risks (credit, market, provisioning) across lending portfolios by analyzing performance data and identifying early warning signals.
• Support stress testing and scenario analysis to assess portfolio resilience under changing economic conditions.
• Analyze large datasets using Python, R, SAS, SQL, and big data tools (e.g., Spark, Cassandra, Hadoop) to generate actionable insights.
• Conduct financial modeling, including loss projections, and evaluate impacts on provisioning strategies.
• Collaborate with finance, treasury, and risk teams to align insights with risk appetite and business needs.
• Enhance data reliability through strong governance practices and contribute to forward-looking risk assessments and industry compliance.
   

What you should have:

• A Bachelor’s degree in Economics, Finance, Statistics, or equivalent experience. 
• A solid understanding of financial risk fundamentals, including credit, market, and provision-related risk, and the distinction between expected vs. unexpected loss. 
• Experience working with mortgage or loan data, including performance tracking and provisioning metrics. 
• Proficiency in Python and SQL for data analysis and transformation; familiarity with R, SAS, or Alteryx is a plus. 
• Strong communication skills to present findings to technical and non-technical stakeholders. 
• Hands-on experience with Power BI or other Microsoft reporting tools. 
• Experience manipulating large datasets and working with big data technologies (e.g., Spark, Hadoop). 
   

It would be great if you also had:
 

• A professional designation such as CFA or FRM (You hold or are pursuing). 
• Worked in a financial institution or risk-focused environment. 
• Experience working with macroeconomic indicators, interest rate data, and housing market trends. 
• Contributed to risk reporting or dashboard development for executive audiences. 

Posting closing date: Note, the competition will remain active until filled.

Our commitment to diversity, equity, and inclusion 

We’re committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from non-Canadians who are eligible to work in Canada.

CMHC is an inclusive workplace where diversity of thought – and of people – are recognized, valued, and considered essential to achieving our mission.

Learn more about our commitment to diversity and inclusion 

What happens after you apply 

We know that applying for a new job can be both exciting and daunting, and we appreciate your effort. Learn more about our hiring process.  If you are selected for an interview or testing, please advise us if you require an accommodation.

If you applied before and you were not successful don’t worry – we're always posting new positions, so don’t hesitate to give it another shot. We’re excited to see what you bring to the table this time around!