Senior Manager, Credit Modeling and Strategy

Questrade Financial Group•Toronto, ON

1d•CA$140,000 - CA$160,000•Hybrid

About The Position

Questrade Financial Group (QFG) is a financial services company that offers a wide range of services including investment, wealth management, mortgages, and real estate. They utilize cutting-edge technology to enhance financial success for Canadians. QFG combines human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform customer experiences and empower teams. This role is within Flexiti, a part of QFG, and focuses on developing, maintaining, and enhancing credit modeling and strategy for their "Buy Now, Pay Later" business, specifically for Account Management activities. This involves in-depth analytics, modeling, and credit strategy development.

Requirements

University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent.
5+ years of experience analyzing credit card data, developing credit modeling using statistical and ML techniques.
Direct report leadership experience.
Experience with developing credit strategy for Account Management.
Solid proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks).
Hands-on experience with credit model development using Logistic Regression, Linear Regression, GLM, Gradient Boosting, and other advanced modeling techniques.
Experience in Financial Service credit risk focused on credit cards and/or retail financing.
Strong ability to analyze data, identify patterns, and effectively debug system issues.
Proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges.
Excellent interpersonal skills and a team-oriented approach, capable of working effectively with cross-functional teams and internal/external partners.
Meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations.
Organized, able to work independently and can handle pressure of tight timelines or emergencies.

Nice To Haves

Master’s degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent.

Responsibilities

Leading the development, execution, and monitoring of credit strategies for Account Management that balances sales and profitable growth across the customer life cycle for existing and new products.
Executing analytic and modeling projects for existing and new products, establishing applicable modeling techniques with rationale.
Identifying, defining, and testing data requirements from internal and external sources for credit modeling and strategy enhancement.
Identifying and suggesting enhancements and opportunities for strategy improvements, process optimization, and cost reduction within risk process, rules, and strategies.
Establishing dashboards to monitor key credit risk activities, delinquency, and profitability performance.
Ensuring all strategy and model documentation, and changes comply with OSFI (Canada).
Identifying and escalating material credit risks and trends to senior leadership.