Manager - Credit, Enterprise Risk Management

President's Choice Financial; Toronto; Hybrid; CAD 70,000 - 95,000; Full time

Job summary

An innovative financial institution is seeking a Manager for Credit and Enterprise Risk Management. This dynamic role involves analyzing credit risk strategies and ensuring compliance with risk policies. You will collaborate with various business units to enhance risk management practices while utilizing your expertise in quantitative analysis and data science tools. The company values a diverse workforce and offers a hybrid work model, allowing flexibility and support for personal growth. Join a team dedicated to making financial services better for customers and thrive in a collaborative environment.

Qualifications

• 2+ years in retail financial industry or credit risk management.
• Proficient in statistical analysis and data science software.

Responsibilities

• Evaluate and monitor risk performance of credit risk strategies.
• Ensure compliance and audit documentation are maintained.

Skills

Quantitative Analysis

Credit Risk Management

Data Analysis

Problem-Solving

Presentation Skills

Interpersonal Skills

Statistical Analysis

Education

University degree in a quantitative field

Tools

SAS

SQL

MS Office Applications

TRIAD

TSYS

Job description

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All referred applicants must first be submitted through Workday by a current Loblaw Colleague.

Location:

500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9

When you hire great people, great things can happen.

PC Financial offers unprecedented value to Canadians through payment products. We're a different kind of bank with a different type of team—we’re collaborative and supportive and have the freedom and responsibility to thrive. Our purpose is to make the everyday simple and better for our customers, and we strive to make every dollar worth more.

Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. As a subsidiary of Loblaws Company Inc., we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. Join us on our journey.

• Our hybrid model requires this role to be in office 4 days a week with flexible working hours at our Bathurst/Lakeshore location.*
  
  

What You'll Do

• Work with the first line of defense in Credit Risk to perform monthly risk appetite metrics and forward-looking portfolio drivers, maintain independent ERM datasets, and ensure the accuracy of risk reporting dashboard in Credit and Fraud Risk Committee meeting.
• Use quantitative analysis to evaluate and monitor risk performance of credit risk strategy proposals, including but not limited to account acquisition, account management and fraud strategies.
• Perform quality assurance on account acquisition and portfolio management to ensure adherence to the Bank’s credit risk policy and directives.
• Provide support to risk appetite development, ICAAP and stress testing exercises, loan loss assessment (e.g., IFRS9 model), as well as model risk assessment and validation.
• Foster relationships with internal and external partners; collaborate with other business units to ensure that Enterprise Risk interests are addressed in business initiatives.
• Ensure compliance and audit requirements/documentations are created, maintained, and oversight abilities are continuously improving.

What You'll Need

• University degree in a quantitative field, Economics, Business Administration, Statistics, Mathematics, Computer Science or equivalent.
• 2+ years working in the retail financial industry, credit risk management, data analysis / financial modeling / data mining role
• 2+ years working experience in credit risk strategy development preferred
• Knowledge of credit scoring and risk assessment as well as portfolio management
• Excellent analytical, storytelling, problem-solving and presentation skills.
• Self-starter able to work under pressure and tight timelines
• Excellent interpersonal skills to work with multiple stakeholders and garner consensus
• Proficient with statistical analysis and data science software (e.g., SAS, SQL)
• Subject matter expert on life cycle risk technology & systems: TRIAD, TSYS
• High proficiency in MS Office Applications including Excel, Access, PowerPoint, VBA

We recognize the importance of a diverse workforce and encourage applications from Aboriginal Peoples, women, visible minorities, and persons with disabilities. Only those selected for an interview will be contacted.