Data Scientist

Canadian Tire Bank; Oakville; On-site; CAD 53,000 - 88,000; Full time

Benefits offered by this job

Comprehensive benefits and retirement

Performance incentives

Continuing Education Programs

Career growth opportunities

Product discounts

Broadband

Job summary

Canadian Tire Bank is seeking a senior data science professional to lead machine learning initiatives across origination, credit limit, and collection strategies. You will own the full scorecard lifecycle—from data sourcing and modeling to validation and deployment—while coordinating timelines and resources.

The role involves collaborating with internal customers, translating business needs into actionable models, and presenting results to senior management.

Qualifications

• University degree in STEM or data science.
• Postgraduate degree in mathematics, statistics, data science or similar preferred.
• Three+ years of experience building predictive scorecards and ML models.
• Experience in credit risk or credit card industry is an asset.
• Solid understanding of ML steps and modeling metrics.
• Proficient in SQL, Python, and ideally SAS.

Responsibilities

• Lead ML projects for origination, credit limit, and collection strategies.
• Own full cycle scorecard design from data sourcing to validation.
• Deploy models and track data transfers; manage reports.
• Review predictive effectiveness and recommend actions.
• Create customer segmentation schemes for insights.
• Collaborate with internal customers and SMEs to translate business needs.
• Deliver presentations of design elements and model results to senior management.

Skills

SQL

Python

Machine learning

Data modeling

Pandas

XGBoost/LightGBM

Statistics

ETL data sourcing

Education

STEM degree

Postgraduate degree

Tools

SAS

Enterprise Miner

Analytics Workbench

SPSS Modeler

Azure

AWS

Databricks

Job description

What you’ll do:

Lead machine learning projects that drive origination, credit limit and collection strategies including managing delivery timelines and coordinating team resources Own the full cycle scorecard design and development from initial planning and data sourcing to data modeling and validation Deploy new models, implement updates, track data transfers, oversee scoring activities, and manage reports, addressing system or procedural issues as they arise Regularly review and document the predictive effectiveness of various statistical models and recommend the appropriate course of action Create customer segmentation schemes that provide strategy teams with key customer insights Collaborate closely with internal customers, retail-side partners and subject matter experts to understand data, interpret results, translate business needs and synthesize solutions Deliver effective presentations of key design elements and model build results to senior management Work on related tasks and ad hoc activities to support business objectives

What you bring:

University degree in STEM or data science. Postgraduate degree in mathematics, statistics, data science or similar disciplines is preferred Three plus years of professional experience focused on developing predictive scorecards and building ML models from real-world data. Work in credit risk management or the credit card industry is an asset Solid understanding of machine learning steps and modeling metrics is a must Proficient in SQL, Python and, ideally, SAS programming language Experience with machine learning libraries like Pandas, XGBoost, scikit-learn, LightGBM or other similar ecosystems Hands-on exposure to modeling platforms like Enterprise Miner, Analytics Workbench or SPSS Modeler is a plus Comfortable with cloud-based data structures and tools like Azure, AWS and Databricks is a plus Background in manipulating large relational databases with detailed and granular information

In addition to competitive pay, we offer:

• Comprehensive benefits and retirement programs
• Performance incentives, Continuing Education Programs
• Other perks to support your well-being
• Career growth opportunities and product discounts
• Broadband

Broadband Salary Range: $53,000 – $88,000. Our typical hiring range is between $53,000 and $70,000. Salary decisions are also dependent on other factors such as your experience, industry benchmarks, internal equity and other role-specific requirements. For critical roles, the compensation offering will be reviewed to ensure alignment with market rate and conditions and the unique value you bring to the role. This posting represents an existing vacancy within our organization. We may use artificial intelligence tools as part of our recruitment process to assist in the initial screening of resumes. All hiring decisions, including candidate evaluation, selection, and disposition, are made by human recruiters.

About Us

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here. We’re always looking for great talent!

Our Commitment to Diversity, Inclusion and Belonging

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better.

Accommodations

We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.

We are one of Canada’s most admired and trusted companies. With world-class owned brands and exciting market-leading merchandising strategies, we are continually innovating with purpose: to excite and serve Canadian customers from coast-to-coast. We are connected to communities, big and small, from coast-to-coast, offering products and services that reflect the diverse nature of every one of them. From sports to outdoors, automobiles to homes, we know and understand life in Canada like no other retailer can.

We are always on the lookout for curious, creative people who are able to navigate and excel in a rapidly evolving retail environment.