Manager, Credit Modeling and Strategy (Flexiti)

Questrade Financial Group; Toronto; Hybrid; CAD 110,000 - 140,000; Full time

Benefits offered by this job

Health resources

Paid time off

Competitive compensation

Hybrid work

Career growth

Community involvement

Inclusive culture

Job summary

Questrade Financial Group is seeking a Manager, Credit Modeling and Strategy to join our Credit Modelling & Strategy team. You will lead development of credit models and strategies for credit cards and lending products, using data-driven techniques to optimize NPVs and product performance.

You will design and implement modeling approaches, collaborate with business leaders, and ensure documentation and governance while delivering timely results in our hybrid workplace.

Qualifications

• University degree in a quantitative field or equivalent.
• 4+ years of credit data analysis and modeling experience.
• Experience with building credit strategies for adjudication and monitoring.
• Proficiency in SAS, Python, R, SQL.
• Experience with logistic/linear regression and GLM.
• Understanding of NPVs and strategy optimization.

Responsibilities

• Design, code, and test credit strategies for lending products.
• Develop, execute and monitor credit strategies for adjudication and monitoring.
• Define data requirements for credit modeling.
• Establish modeling techniques with rationale.
• Maintain documentation and version control for models and policies.

Skills

Credit modeling

Statistical techniques

ML techniques

Data analysis

SAS

Python

R

SQL

Adjudication strategies

Leadership

Education

Bachelor's degree in a quantitative field

Tools

Triad

FICO DMP

Provenir

Job description

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting‑edge technology to help Canadians become much more financially successful and secure. At QFG, we combine human‑centric collaboration with AI‑driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work. Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

What’s in it for you as an employee of Flexiti?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work‑life balance
• Competitive compensation and benefits packages
• Work‑life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Manager, Credit Modeling and Strategy. Could it be you?

Supporting the Senior Manager, Credit Modelling & Strategy, this role will be responsible for developing credit modeling and strategies for credit cards and other lending products. This will require in‑depth modeling and credit strategy development work. The incumbent will develop credit models along with strategy based on NPV optimization. This role will be instrumental for launching new credit products.

In this role, responsibilities include but are not limited to:

• Strategy Implementation Support: Assisting in the design, coding, and testing of credit strategies for various lending products and the full credit lifecycle of customers.
• Supporting the development, execution and monitoring of credit strategies for adjudication, account management and transaction monitoring.
• Identifying and defining data requirements from internal and external sources for credit modeling for new products.
• Establishing applicable modeling techniques with rationale.
• Designing optimization‑driven credit strategy framework instead of rules‑based criteria.
• Identifying and escalating material credit risks and trends.
• Maintaining full documentation with appropriate version controls for all official models, strategy and policies.

So are YOU our next Manager, Credit Modeling and Strategy? You are, if you...

• Hold a university degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent.
• Have 4+ years of experience analyzing credit card data, developing credit modeling using statistical techniques and ML techniques.
• Have experience with developing credit strategies for adjudication, account management and transaction monitoring.
• Are highly proficient in data analysis tools (SAS, Python, R, SQL).
• Have hands‑on experience with credit model development using, Logistic Regression, Linear Regression, GLM, Gradient Boosting and other modeling techniques.
• Have deep understanding of credit modeling along with strategy optimization based on NPV.
• Are familiar with decisioning platforms such as Triad, FICO DMP, Provenir, etc.
• Are highly organized, detail‑oriented and can initiate proactively.
• Are able to work independently and handle the pressure of tight timelines.
• Are able to draw conclusions and provide explanations to make recommendations based on analysis.
• Are a problem solver with analytical and conceptual thinking.
• Have leadership experience and a proven ability to collaborate with business leaders to drive analytically‑based strategies.
• Have a strong work ethic, curious and persistent determination in reviewing and reconciling variances.

Compensation Information

• Base salary range: $110,000 - $140,000
• The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full‑Time Permanent roles.

Sounds like you? Click below to apply!

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review. Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.