Manager, Cards Credit Strategy & Data Analytics

RBC; Toronto; On-site; CAD 80,000 - 120,000; Full time

Job summary

A leading financial institution is seeking a Manager for Cards Credit Strategy & Data Analytics to utilize advanced analytics for optimizing portfolio profitability. The role involves data mining, risk management, and developing a talented team, focusing on data-driven decision-making to enhance credit programs. Applicants should possess strong analytical skills and experience in credit risk and financial modeling.

Qualifications

• Strong problem-solving skills including credit risk fundamentals.
• Experience with data visualization tools such as Python and Tableau.
• Ability to deliver high-quality work and multitask effectively.

Responsibilities

• Utilize advanced analytics to develop credit strategies.
• Monitor and analyze credit risk exposures.
• Support implementation of credit strategies in systems.

Skills

Business Data Analysis

Credit Analysis

Critical Thinking

Data Visualization

Risk Management

Education

University degree in a quantitative field

Tools

SQL

Excel

Python

Tableau

TRIAD

Job description

Job Summary

The Manager, Cards Credit Strategy & Data Analytics will utilize advanced analytics to develop credit strategies aimed at growing RBC revenue and managing risk, ultimately optimizing portfolio profitability. You will also be responsible for developing an existing talented credit team within the group.

Job Description

What will you do?

• Use data mining, profitability modeling, and business intuition to inform lending decisions for card credit programs such as Line Management and Transaction Authorizations.
• Monitor and analyze investment credit risk exposures on both short-term and long-term bases.
• Develop 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 strategic decisions, measure actual outcomes against expectations, and drive continuous improvement based on findings.
• Support the implementation and ongoing integrity of credit strategies within systems like Pathfinder and TRIAD.
• Engage with Senior Management and Group Risk Management partners to refine and execute strategies.

What do you need to succeed? Must have:

• Strong problem-solving skills, including understanding of credit risk fundamentals and financial modeling.
• Proficiency in SQL, Excel (Pivot tables), and 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 stakeholders.
• Proven experience in delivering high-quality, accurate work with the ability to multitask and shift priorities.
• University degree in a quantitative field (e.g., statistics, engineering, economics, finance, computer science) demonstrating critical thinking, data analytics, and financial modeling skills.

Nice to have:

• Experience with adaptive control software (e.g., TRIAD, Probe) and credit scoring technologies.
• Effective communication in both business and technical environments.

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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: 2025-06-05

Application Deadline: 2025-07-31

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

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