Data Scientist Student, Credit Risk Analytics (Winter 2026)

Canadian Tire; Oakville; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading Canadian financial institution in Oakville seeks a Credit Risk Data Analyst Student to develop predictive models and support credit risk strategies. Candidates should currently be enrolled in related studies like Mathematics or Computer Science with strong analytical skills and knowledge of programming languages like Python. The role offers a great opportunity to engage in innovative financial solutions and contribute to customer relationships.

Qualifications

• Demonstrated superior analytical, mathematical, and problem-solving skills.
• Self-driven development of technical skills through projects or hackathons.
• Working knowledge of Python's data-manipulation libraries.

Responsibilities

• Help develop predictive models for credit risk strategies.
• Design and implement model deployment techniques.
• Participate in developing new predictive models.

Skills

Analytical skills

Mathematical skills

Problem-solving skills

Programming in Python

Knowledge of statistics

Attention to detail

Communication skills

Creative thinking

Education

Currently enrolled in Mathematics, Statistics, Computer Science or related discipline

Tools

Python's data-manipulation libraries (pandas, numpy)

MS Office Suite (Excel/Word/PowerPoint)

Job description

What you’ll do:

The Credit Risk Data Analyst Student reports to the Manager of Modeling & Segmentation Analytics within our Credit Risk Division. The mandate of the Credit Risk Management Division of Canadian Tire Bank is to build familiarity with our credit card customers to strengthen the customer relationship with Canadian Tire Corporation. This Division is responsible for the design and execution of credit risk strategic decisions, the development and execution of machine-learning models that help predict customer behaviour, providing actionable customer intelligence to maximize our credit card portfolio profitability:

• Help develop predictive models that will form the basis of information-driven strategies executed within Credit Risk which includes credit limit assignment, marketing promotions, collections and new account adjudication.
• Help design and implement robust model deployment techniques, as well as performance metric tracking.
• Participate in development of new predictive models to support the business, including preliminary analyses of available data and advising on feasibility/impact.
• Predictive model validation and evaluation through development of objective-specific metrics.
• Develop and maintain expertise with lending, credit scoring, behaviour scoring, portfolio management, direct marketing, data mining, and industry trends.
• Ad-Hoc analytical requests as needed

What you’ve done:

• Currently enrolled in a post-secondary program in Mathematics, Statistics, Computer Science, or a related discipline
• Demonstrated superior analytical, mathematical, and problem-solving skills
• Knowledge of statistics and statistical models
• Self-driven development of technical skills through projects or hackathons
• Programming experience in Python/SAS/R
• Working knowledge of Python’s data-manipulation libraries (ex. pandas, numpy)
• Proven experience using MS Office Suite (Excel/Word/PowerPoint)
• Excellent attention to detail
• Exceptional communication skills with the confidence and passion to share knowledge
• Creative thinker who is observant to seek new opportunities and perceptive to abstract ideas
• Goal driven individual to seek out continuous improvement opportunities

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.

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.