Credit Risk Strategist

Canadian Tire Corporation•Oakville, ON

6d•$53,000 - $88,000

About The Position

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.

Requirements

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

Nice To Haves

Knowledge of the credit card lifecycle & credit risk management is preferred
Knowledge of TSYS, TRIAD & BLAZE is an asset

Responsibilities

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