Manager, Auto Finance Credit Strategy

Job Description

What is the Opportunity?

As part of the Group Risk Management (GRM) team, the Manager, Auto Finance Credit Strategy will analyze, design and implement solutions to enable real-time decision making for the Auto Finance business. The team specializes in leveraging large data sets to generate new insights and make fact based decisions on how to profitably grow loan originations by balancing risk, pricing, operational efficiency and customer impact.

The role employs a range of leading-edge technologies and capabilities, applying machine learning and statistical techniques, to build predictive behavioral models and credit strategies.

What will you do?

• Analyze data using empirical, statistical and machine learning techniques to identify problems and uncover actionable insights to improve financial outcomes.
• Design automated strategies to improve real-time adjudication and the quality and consistency of manual adjudication.
• Engage cross-functional stakeholders across Product, Sales, Operations and Risk Management.
• End-to-end project management, from idea conception, solution design, stakeholder buy-in to implementation and monitoring.

What do you need to succeed?

Must-have

• Bachelor’s degree in either Computer Science, Statistics, Mathematics, Behavioral Economics, Engineering, or other quantitative field of study.
• 1+ years of experience with programming and scripting languages such as SQL, Python, R and Java.
• Strong analytical, problem solving, communication and time management skills.
• Familiar with data extract, transform, and load processes with a variety of data types.
• Experience with GitHub functionality and code management best practices.
• Familiar with a Linux environment and shell scripting.

Nice-to-have

• Familiar with credit risk concepts.
• Proficiency with data visualization tools such as Tableau.
• Experience applying statistical concepts including but not limited to: linear and logistic models, gradient boosting/XGboost, supervised statistical learning, clustering, recommendation systems, times-series analysis, experimental design (A/B testing).
• Exposure to Apache Spark, Hadoop and Public Cloud technologies, data serialization (JSON, Parquet, etc).
• Experience with big data processing tools like Spark and Hive.

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program
• Leaders who support your development through training and coaching
• Work with a dynamic, collaborative team with ability to make a difference

The role is hybrid with 4 days per week on-site.

Job Skills

Business Data Analysis, Communication, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, Quantitative Methods, Risk Management

Additional Job Details

Address:

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-07-27

Application Deadline:

2026-08-17

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.