Yamaha Motor Corporation (“YMC”) is a publicly listed Japanese Corporation in the business of manufacturing and distributing recreational product to dealers and customers around the world. YMC is a Kando creating company; “offering more excitement and a more fulfilling life for people”.

Yamaha Motor Canada Ltd (“YMCA”) is a subsidiary of YMC, responsible for distributing Yamaha Motor product to Canadian dealers and consumers. YMCA’s Vision is to “Create Lifelong Memories by “Connecting People through Unique Canadian Outdoor Experiences”. YMCA executes its day-to-day activities in reference to its defined values, “Be Inclusive”, “Think Customer”, “Own it!”, “Innovate Now!”, “Trust & Integrity”, “Be Agile”, and “Drive results”.

Yamaha Motor Finance Canada is the established captive finance division of Yamaha Motor Canada, and a subsidiary of Yamaha Motor Finance Corporation U.S.A, which is focused on providing financial solutions to Yamaha dealers and customers through its Retail and Wholesale finance programs.

Position Information

• Department: YMFC-CA

• Location: 480 Gordan Baker Rd

• Hybrid

• Status: Full Time

• Reports to: Manager, Reporting & Analytics

Summary Of Responsibilities Yamaha Motor Finance Canada (YMFCA) is the captive finance division of Yamaha Motor Canada, which is focused on providing financial solutions to Yamaha dealers and customers through its Retail and Wholesale finance programs as well as Warranty and insurance offerings.

This position will be responsible for providing analysis, insights, and reporting to drive sustainable growth for the loan portfolio as well as operational effectiveness for YMFCA as a whole.

Leveraging a strong data and analytics background, the Credit Risk & Analytics Analyst will study multiple internal data sources to analyze and report on our loan portfolio in all phases of the lifecycle from lead generation, application, credit decisioning, account management, collections and customer retention.

Key Duties & Responsibilities

• Develop new credit risk reports and quality assurance checks as required, and provide adhoc analyses of portfolio trends. Participate in risk oversight activities and meetings, and deliver in-depth insights into the drivers of key risk trends.
• Monitor and analyze the automated credit risk strategy to improve decision-making effectiveness and drive business growth. Review and enhance the risk segmentation strategy to ensure that loans are approved at the appropriate price-to-risk level.
• Manage and execute the design, implementation, and pre- and post-campaign analyses for new marketing, product, sales, and risk initiatives (e.g., collection and retention strategies). Provide analytical and reporting support to various departments across the finance company.
• Support the Compliance team by reviewing and cataloging relevant laws, regulations, and industry standards. Prepare and maintain documentation for compliance audits and reviews. Monitor regulatory changes and assess their impact on the organization.

Experience Requirements

• Degree/Diploma: Minimum: Bachelor’s Degree
• Program of Study: Finance, Economics, Statistics, Mathematics, Data Science/Analytics, Business Administration, Engineering
• Years of Experience: Minimum: 1-2 years of relevant work experience
• Type of Experience: Minimum: strong working knowledge, demonstrated in a previous position, using two or more of the following tools: SAS, SQL, Snowflake, or Sigma

Skills And Abilities

• Experience in credit risk management or portfolio analytics, including delinquency and loss analysis.
• Analytical, with a passion for finding insights in data and driving change based on those insights.
• Detail oriented with a strong focus on data accuracy.
• Ability to clearly communicate (written and verbal) technical information and ideas.
• Strong collaboration and accountability mindset.

Nice To Have

• Banking or Captive Finance experience.
• Familiarity with scorecards, segmentation, and risk-based pricing strategies.
• Understanding of regulatory and compliance frameworks (e.g., IFRS-9, AML, consumer protection).

Expected salary range: $65,000 - $75,000/per annum Although base salary for this position falls within the above posted range, final compensation will be determined based on the candidate’s skills, experience, qualifications, and internal equity. Our total rewards approach is designed to provide competitive compensation with a focus on employee experience.

Beyond Base Salary, Our Total Rewards Program Includes

• 100% employer‑paid health and dental benefits
• Employee assistance program
• Corporate bonus incentive + sales bonus (for applicable roles)
• RRSP with employer DPSP match (up to 5% of base salary)
• Employee‑paid STD, LTD, and life/dependent insurance
• Parental/maternal leave top‑up programs
• Product experience/engagement events
• Employee recognition program (Accelerate Together)
• Educational assistance
• Employee product purchase and rental program perks
• Kando‑driven corporate culture, recognized as a top GTA employer

This posting reflects a newly created vacancy within our organization. Artificial Intelligence (AI) tools may be used to support certain stages of the recruitment process, including applicant screening, assessment, or selection. All AI‑assisted activities are overseen by our recruitment team to ensure fairness, equity, and transparency.

Yamaha Motor Canada Ltd. welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.