Manager – Credit Strategy & Data Science

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

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

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