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Manager – Credit Strategy & Data Science

Manager – Credit Strategy & Data Science

CompanyRoyal Bank of Canada
LocationToronto, ON, Canada
Salary$Not Provided – $Not Provided
TypeFull-Time
Degrees
Experience LevelSenior, Expert or higher

Requirements

  • Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
  • Proficient in SQL, Excel, SAS, 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

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

Preferred Qualifications

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