The mandate of the Credit Management & Bank Operations department of Canadian Tire Bank is to provide world class analytics to maximize our credit card portfolio profitability by balancing risk with reward potential.
What you’ll do
The Credit Risk Strategist position reports to the Manager, Late Stage Customer Management. The position is responsible for the development of credit risk strategies, customer segmentations & providing quality analytics required to build, execute & refine strategies.
Participate in the complete life cycle of credit risk management, including data mining, model building, decision optimization, strategy development & implementation
Develop, manage and monitor credit risk strategies related to account management and collections
Monitor strategy effectiveness and identify opportunities to improve strategy performance
Perform quantitative analysis on the CTB portfolio and translate results into actionable recommendations
Foster relationships with internal business partners to develop a thorough understanding of the business & ensure that Credit Risk interests are addressed in collaborative projects
Formulate plans to address customer needs, in the form of authorization decisions, reinstatement strategies, card reissuance, collections tactics and other related maintenance analytics.
Prioritize & manage multiple work assignments in a changing business environment to ensure that projects are implemented on time & with quality
Ensure audit & compliance requirements are maintained and continuously improved
What you bring
University degree in a quantitative discipline, Mathematics, Statistics, preferred
Demonstrated analytical, mathematical and problem-solving skills.
Proven ability to program in pertinent languages, including SAS, SQL, Python
Proven ability to translate business needs into statistically sound solutions, and vice versa
Big picture thinking: Ability to step back and understand impacts on a larger scale and explain complex analytical recommendations to both technical and non-technical stakeholders
Strong written and oral communication skills when presenting results to business stakeholders
Knowledge of the credit card lifecycle & credit risk management is preferred
Knowledge of TSYS, TRIAD & BLAZE is an asset
We’re always looking for great talent! In addition to competitive pay, we offer:
Comprehensive benefits and retirement programs
Performance incentives, Continuing Education Programs
Other perks to support your well-being
Career growth opportunities and product discounts
Broadband Salary Range: $53,000 – $88,000 CAD
Our typical hiring range is between $53,000 and $70,000 CAD. Salary decisions are also dependent on other factors such as your experience, industry benchmarks, internal equity and other role-specific requirements. For critical roles, the compensation offering will be reviewed to ensure alignment with market rate and conditions and the unique value you bring to the role.
#LI-AK1
This posting represents an existing vacancy within our organization.
We may use artificial intelligence tools as part of our recruitment process to assist in the initial screening of resumes. All hiring decisions, including candidate evaluation, selection, and disposition, are made by human recruiters.
Credit Risk Strategist • Oakville, ON
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