Manager, Cards Credit Strategy and Data Science

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

Benefits offered by this job

Total rewards program

Bonuses and stock where applicable

Career development coaching

Job summary

RBC is seeking a Manager, Cards Credit Strategy and Data Science in Toronto to lead a credit strategy and analytics team. You will guide data-driven lending decisions for line management and authorizations, and optimize portfolio profitability.

Responsibilities include building financial models, testing methodologies, and implementing strategies in systems such as Pathfinder and TRIAD, while developing a high-performance credit analytics team.

Qualifications

• Must have strong problem solving and credit risk understanding.
• Proficiency in SQL, Excel, Word and PowerPoint.
• Experience with Python, AWS, GitHub and data visualization tools.

Responsibilities

• Lead data mining, profitability modelling and credit strategy design for cards.
• Optimize profitability of RBC’s retail credit card portfolio and manage risk.
• Support implementation and data integrity of strategies in systems like Pathfinder and TRIAD.
• Build financial models to simulate outcomes and measure results.
• Drive DOE and testing to improve credit strategies and models.
• Develop a best-in-class credit analytics team and drive innovation.

Skills

Problem solving

Stakeholder collaboration

Presentation skills

Analytical thinking

Tools

GitHub

AWS

HDFS

Python

Matplotlib

Plotly

Seaborn

Tableau

SQL

Excel

Word

PowerPoint

Job description

What is the opportunity?

The RBC Credit Strategy team is hiring for a Manager, Cards Credit Strategy and Data Science to lead the Cards Account Management team combining credit strategy development with credit talent management responsibilities. You will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. You will also be accountable for the development of an existing talented credit team within the group.

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
• 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

What do you need to succeed?

Must-have

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

Nice-to-have

• Experience with adaptive control software (e.g. TRIAD) 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, fair compensation, commissions, and stock where applicable
• Leaders who help 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

Business Data Analysis, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, 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: 2026-03-16

Application Deadline: 2026-08-31

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.