Manager, Cards Credit Strategy and Data Analytics

RBC; Toronto; On-site; CAD 120,000 - 180,000; Full time

Job summary

RBC in Toronto is seeking a Manager, Cards Credit Strategy & Data Analytics to lead analytical design and implementation of credit strategies for cards programs. You will leverage data mining, profitability modelling and advanced analytics to optimize portfolio profitability while managing risk.

The role requires strong SQL, Python and data visualization skills, experience presenting to senior leaders, and a quantitative degree.

Qualifications

• Expert in credit risk fundamentals and financial modelling.
• Skilled in SQL, Excel Pivot tables and Python.
• Proficiency with data visualization tools (Python/Plotly/Seaborn, Tableau).
• Ability to design and deliver presentations to senior management.
• Proven track record of delivering high-quality work under multitasking.
• University degree in a quantitative field.

Responsibilities

• Use data mining, profitability modelling and analytics to inform lending decisions.
• Monitor and analyze credit risk exposures short and long term.
• Develop complex credit risk metrics and tools.
• Build financial models to simulate outcomes and drive improvements.
• Support implementation and data integrity of credit strategies in systems.
• Engage senior management and Risk partners to refine strategies.

Skills

SQL

Excel (Pivot tables)

Python

Data Visualization

Presentation skills

Education

University degree in a quantitative field (statistics, engineering, economics, finance, computer science)

Tools

Tableau

Job description

Job Description

What is the opportunity? The RBC Credit Strategy team is hiring a Manager, Cards Credit Strategy & Data Analytics. You will use analytics to develop credit strategies to grow RBC Revenue and manage risk to ultimately optimize portfolio profitability. This includes experimental design, statistical analysis, profitability modelling, data mining and analytics. The successful candidate will be responsible to take initiatives through the various phases of ideation, analysis, recommendation for approval and implementation.

The RBC Credit Strategy team is hiring a Manager, Cards Credit Strategy & Data Analytics. You will use analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. This includes experimental design, statistical analysis, profitability modelling, data mining and analytics. The successful candidate will be responsible to take initiatives through the various phases of ideation, analysis, recommendation for approval and implementation. The Manager, Cards Credit Strategy & Data Analytics will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability.

What will you do?

• Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction Authorizations
• Monitors and analyzes investment credit risk exposures on a short and long term basis
• Develops complex quantitative and analytic credit risk metrics and tools to help manage, measure, and monitor credit risk.
• Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
• Support the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)
• Engage Senior Management and Group Risk Management partners to refine and execute strategies

What do you need to succeed?

Must have:

• Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
• Skilled in SQL, Excel (Pivot tables) Python
• Experience with Data Visualization tools such as Python (Matplotlib, Plotly, Seaborn) and Tableau
• Ability to design and deliver compelling presentations to senior management and other stakeholders
• Proven experience in delivering high quality and accurate work with the ability to multitask and shift priorities
• University degree in a quantitative field of study (e.g. statistics, engineering, economics, finance, computer science) – to demonstrate ability for critical thinking, data analytics and financial modeling

Nice to have:

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

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team

Job Skills

Analytical Decision Making, Analytical Thinking, Business Data Analytics, Credit Analytics, Database Queries, Data Visualization, Quantitative Methods, Risk Management

Additional Job Details

• Address: RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO
• City: Toronto
• Country: Canada
• Work hours/week: 37.5
• Employment Type: Full time
• Platform: GROUP RISK MANAGEMENT
• Job Type: Regular
• Pay Type: Salaried
• Posted Date: 2026-09-08
• Application Deadline: 2026-09-26
• Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.