John Jonkman
Director, Portfolio Management @goeasy Ltd.
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WORK HISTORY
Director, Portfolio Management @goeasy Ltd.
Mississauga, ON, CA
Developed Advanced Credit & Behavioural ModelsI\'ve developed models for probability of default (PD), exposure at default (EAD), loss given default (LGD), and propensity to convert or purchase—integrating classical, alternative, and banking data to guide underwriting decisions and product strategy.Modernized Analytics Platform to SAS ViyaI led the end-to-end shift from on-premises SAS 9 to cloud-native SAS Viya, handling vendor negotiations, budget management, Intellectual Property ownership discussions, system administration, and user access.IFRS9 & Securitization InitiativesI oversee Credit Model IFRS9 calculations and methodologies to ensure compliance and robust provisioning. Supported securitization and credit facilities with data-driven insights for audits, facility expansions, and reporting.I Enabled Product InnovationI collaborate with cross-functional teams to refine processes for unsecured and secured personal loans and design A/B testing frameworks for continuous credit-policy improvement.I Champion a Data-Driven CultureI mentor analysts in cutting-edge analytics techniques, fostered collaboration across departments, and cultivated an environment that encourages curiosity, continuous learning, and innovation.
EDUCATION
University of Guelph
Bachelor of Arts (B.A.)
Conestoga College
Human Resources Management and Services
SKILLS
ABOUT JOHN JONKMAN
I’m a data and technology enthusiast with over 15 years of experience in credit risk management, analytics, and AI-driven innovation. My work spans everything from developing risk frameworks and modernizing analytic platforms to designing credit strategies for secured and unsecured lending products. I’ve developed Python-based machine learning skills, built large language model and retrieval-augmented generation (RAG) systems, and was even a SAS Hackathon finalist for OCR and natural language processing use cases.I’ve developed a broad range of credit and behavioural models—covering PD, EAD, LGD, and propensity to convert or purchase—that guide underwriting decisions and product strategies for both new and existing customers. By collaborating with cross-functional teams, I’ve helped refine unsecured and secured personal loans, establish product guidelines, and implement A/B testing strategies that keep our credit policies evolving. I’ve also led IFRS9 initiatives, managing calculations, methodologies, and broader implications to ensure robust compliance. Beyond that, my work extends to securitization, where I leverage data-driven insights to support audits, facility expansions, and reporting.Ultimately, what drives me is uncovering how technology can solve real business problems. By combining analytics, emerging AI capabilities, and a deep knowledge of financial risk, I strive to deliver data-driven insights that help organizations and their customers alike. I believe in staying curious, continuing to learn, and empowering others to unlock the full potential of data.
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