Credit Strategy Analyst

Haventree Bank•Toronto, ON

3d•Hybrid

About The Position

Reporting to the Senior Credit Risk Manager, the Credit Strategy Analyst plays a crucial role in designing and optimizing automated credit decisioning strategies, collaborating with the manual underwriting function to identify efficiencies, and ensure robust risk management practices. You will leverage advanced analytical tools to develop and refine credit policies and processes, balancing customer experience, operational efficiency, and portfolio performance. Additionally, you will provide actionable insights to senior management and work closely with various teams to align credit strategies with business goals.

Requirements

Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or related field.
3-5 years of experience in credit risk, decisioning systems, or strategy development within a financial institution.
Hands-on experience with auto-adjudication systems and credit decisioning platforms is essential.
Expertise credit decisioning tools and data analysis platforms (SQL, Python, R, Tableau, Alteryx, Excel).
Strong understanding of credit scoring models, decline strategies, and risk management frameworks.
Analytical mindset with the ability to translate complex data into actionable strategies.
Exceptional problem-solving, communication, and stakeholder management skills.
Proven ability to manage competing priorities in a fast-paced environment.

Nice To Haves

Master’s degree preferred.

Responsibilities

Design, implement, and refine auto-adjudication strategies to improve credit decision speed and accuracy.
Develop and manage rule-based and scorecard-driven strategies for automated credit approvals and declines.
Evaluate auto-adjudication performance metrics and identify opportunities to increase approval rates while mitigating risks.
Partner with technology teams to test and deploy strategy updates in credit decisioning systems.
Test and refine decision rules to ensure they align with business objectives and risk tolerance.
Monitor the performance of automated decision systems and recommend improvements.
Provide actionable insights to senior management on credit risk, operational efficiency, and strategic opportunities.
Maintain and update dashboards to monitor adjudication rates, approval/decline trends, and portfolio KPIs.
Leverage predictive analytics and machine learning to improve credit decision accuracy and efficiency.
Stay updated on industry trends, competitor strategies, and market conditions affecting credit risk.
Conduct benchmarking studies to ensure the bank remains competitive in pricing, terms and risk appetite.
Work closely with origination, product and technology teams to align credit strategies with business goals and to identify inefficiencies and streamline workflows.
Provide data-driven insights to enhance decision-making consistency and reduce turnaround times.
Support the integration of manual and automated processes for a seamless customer journey.
Collaborate with data science teams to integrate predictive models and advanced analytics into auto-adjudication frameworks.