Senior Manager - Cards Credit Strategy & Portfolio Management

RBC•Toronto, ON

21h•Onsite

About The Position

The RBC Credit Strategy team is hiring for a Senior Manager – Cards Credit Strategy & Portfolio Management to lead Retail Cards credit risk analytics. You will use advanced analytics to identify emerging risk signals, shape the credit risk narrative for the Cards business.

Requirements

3+ years of progressive analytics experience, preferably performing advanced risk analytics and strategy design for lending products
Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
Proficient in SQL, Python, 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
Proven experience in delivering high quality and accurate work with the ability to multitask and shift priorities
University degree in a quantitative field of study (e.g. statistics, engineering, economics, finance, computer science) – to demonstrate ability for critical thinking, data analytics and financial modeling

Nice To Haves

Equally effective and conversant in business and technical environments
3+ years of direct role-related experience

Responsibilities

Use data mining, profitability modelling and business intuition to inform lending decisions for Retail Cards credit programs such as Line Management and Acquisitions
Translate credit risk insights into actionable business levers, and partner with stakeholders to optimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategies
Engage senior management and Group Risk Management partners to refine and execute said strategies
Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
Foundational Testing, Challenger/Champion and other testing methodologies
Support the attraction, development and establishment of a highly talented analytical credit team
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