SPECIALIST, CAPITAL ADEQUACY & PORTFOLIO RISK

BDC•Montreal, QC

3d•Hybrid

About The Position

At BDC, the only bank dedicated exclusively to Canadian entrepreneurs, this role supports senior management with high-quality analysis on capital adequacy and portfolio risk. You will connect macroeconomic drivers to portfolio performance, assess risk-adjusted returns, and deliver forward-looking insights. Your work contributes directly to the sound management of portfolios that support the growth of Canadian businesses.

Requirements

7 to 10 years of experience in a financial institution in risk management, credit risk, or financial analysis.
Experience with regulatory capital frameworks: Basel (Pillar I and II), OSFI Capital Adequacy Requirements, and guidelines E-18 and E-19.
Experience analyzing credit risk portfolio performance using key risk indicators (e.g., delinquency, default rates, provisions, concentration risk).
Ability to analyze and interpret financial product profitability on a risk-adjusted basis.
Experience preparing portfolio monitoring reports (monthly/quarterly) and presenting insights to management.
Ability to validate and ensure data integrity across multiple data sources.
Strong analytical skills with ability to connect macroeconomic variables to portfolio performance.
Proficiency in Microsoft Office Suite (Excel, PowerPoint) and Power BI.
Ability to manage multiple priorities, meet tight deadlines, and work under pressure.
Strong written and verbal communication skills in both French and English.
Undergraduate degree in Finance, Accounting, Economics, or another quantitative discipline.

Nice To Haves

Knowledge of database structures and querying tools: SQL, Python, Databricks, DAX, VBA.
Experience in developing or implementing risk management tools or analytical systems.
Knowledge of the Canadian banking market and business financing products.
Experience working with portfolios such as Growth & Transition Capital, Venture Capital, Wholesale Financing, Community Banking, or Credit Availability Programs.
Master’s degree in a relevant discipline.
Professional designations such as CFA (Chartered Financial Analyst) or FRM (Financial Risk Manager).

Responsibilities

Provide independent portfolio monitoring and escalate key risk issues to management, including analysis of delinquency, downgrades, provisions, pricing, and concentration risks.
Assess and communicate the impact of regulatory capital requirements (Basel framework) and internal capital metrics to stakeholders.
Analyze profitability of financial products (loans and investments) on a risk-adjusted basis and link risk drivers to financial performance.
Ensure data integrity and produce monthly and quarterly risk reports with actionable insights on portfolio trends.
Conduct scenario analyses and forecasts to support strategic positioning and alignment with the organization’s risk appetite.
Respond to ad hoc analytical requests using relevant data sources and sound methodologies.
Recommend and implement process improvements, including automation and enhancements to data quality.
Lead or contribute to projects involving development of portfolio risk tools, systems, and pilot initiatives.
Stay informed on industry best practices, regulatory changes, and internal developments affecting portfolio risk management.

Benefits

Flexible and competitive benefits
Employee Savings and Investment Plan where BDC matches part of your voluntary contributions
Defined Benefit Pension Plan
$750 wellness and health care spending account
Paid vacation each year
Five personal days
Sick days as necessary
Offices are closed from December 25 to January 1
Hybrid work model
Opportunities for learning, training and development