Requisition ID: 234534
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
The Manager, Non-Pre-Approval Originations will utilize combination of their existing credit risk knowledge as well as analytical skills to develop and monitor credit risk origination lending strategies, policies, and processes to optimize risk/return for credit cards, unsecured lines of credit, unsecured installment loans and over drafts for the Canadian retail portfolio.
The manager will use in-depth portfolio analytics to monitor its delinquency/loss performance, derive insights, optimize approval/decline decision criteria, automate decisions, and limit assignment strategies for New and Existing customers, leveraging champion/challenger capabilities to confirm assumptions, learn about shifts in consumer credit behavior, and identify risks/opportunities that will impact the Risk Appetite Framework. These tasks will be accomplished leveraging extensive consumer data in bank’s data lake, credit risk and lending business expertise and advanced analytics techniques including machine learning. The person must have strong communication skills to propose changes to senior management and collaborate with risk partners including Product, Operations, and Regulators.
This position requires technical expertise including experience with risk technologies origination and various testing methods to lead strategy and policy implementation with minimal defect, as well as a deep understanding of credit bureau information.

DO YOU HAVE THE SKILLS THAT WILL ENABLE YOU TO SUCCEED IN THIS ROLE? - WE’D LOVE TO WORK WITH YOU IF YOU HAVE:

• Required: Bachelor’s degree or higher or equivalent work experience;
• Desired: Bachelor’s and/or Masters degree or higher in business, statistics, economics, finance, computer science, data science or science.
• A minimum of 2-5 years with an organization in the risk/portfolio management field, with rigorous logical thinking and solid understanding of credit principles
• Proficiency in programing and database (SAS/Enterprise Miner or similar statistical software including the ability to apply advanced statistical techniques, SQL, R, Python)
• Able to translate data into digestible dashboards and business insights (Tableau, PowerBI, PowerApp)
• Excellent communication and written skills complemented with solid deductive reasoning, sound judgement, and creativity.
• Strong knowledge designing strategies that impact organization’s P&L.
• Prior experience in a retail lending environment or credit risk management is preferred.
• Ability to work effectively within a team, able to multi-task and prioritize.