Manager, Cards Credit Strategy and Data Science

RBC • Toronto, ON

2d • Onsite

About The Position

The RBC Credit Strategy team is hiring for a Manager, Cards Credit Strategy and Data Science to lead the Cards Account Management team combining credit strategy development with credit talent management responsibilities. You will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. You will also be accountable for the development of an existing talented credit team within the group.

Requirements

• Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
• Proficient in SQL, Excel, Word, and PowerPoint
• Experience with modern analytical tools and technology stacks; Python, GitHub, AWS, HDFS, etc.
• Experience with Data Visualization tools such as Python (Matplotlib, Plotly, Seaborn) and Tableau
• Ability to develop effective and collaborative relationships (e.g. with stakeholders, credit bureaus, and remote teams)
• Ability to design and deliver compelling presentations to senior management and other stakeholders

Nice To Haves

• Experience with adaptive control software (e.g. TRIAD) and credit scoring technologies
• Equally effective and conversant in business and technical environments

Responsibilities

• Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction Authorizations
• Optimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategies
• Support the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)
• Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
• Generate learnings to enhance credit strategies using Design of Experiments (DOE), Foundational Testing, Challenger/Champion and other testing methodologies
• Design and implement management systems to foster and develop a best-in-class credit analyst team
• Test new methodologies and tools to enhance models and strategies, and drive innovation within credit strategy frameworks and infrastructure

Benefits

• bonuses
• flexible benefits
• fair compensation
• commissions
• stock where applicable
• Leaders who help your development through coaching and managing opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: No Education Listed