Manager, Personal Lending Credit Strategy

RBC; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading financial services company in Toronto is looking for a Manager, Personal Lending Credit Strategy. The successful candidate will develop credit strategies using advanced analytics to optimize profitability and manage risk. Key responsibilities include designing campaigns and engaging with cross-functional teams. Applicants should have a relevant degree, strong problem-solving skills, and proficiency in Excel, SQL, and Python. The position offers a competitive salary, bonuses, and a flexible work-life balance.

Benefits

Comprehensive Total Rewards Program

Flexible work/life balance options

Opportunities to do challenging work

Qualifications

• Expert critical thinker and problem-solver.
• Proficient in code management best practices.

Responsibilities

• Develop credit strategies using advanced analytics for PL products.
• Support new strategy development with advanced analytics and data science.
• Engage cross-functional stakeholders across Product, Sales, Operations, and Risk Management.

Skills

Analytics

Critical Thinking

Data Analysis

SQL

Python

Tableau

Credit Strategies

Education

Bachelor or Master’s degree in a quantitative field

Tools

Excel

SAS

Job description

Job Description

What is the opportunity?

As Manager, Personal Lending (PL) Credit Strategy, you are primarily responsible for developing credit strategies using advanced analytics for PL products as well as improving profitability by recommending solutions that balance risk, reward, operational efficiency, and customer impact. You will work to support the business targets for growth, while ensuring appropriate risk mitigation strategies are in place and the overall quality of the portfolio is maintained.

What will you do?

• Support the Senior Manager in designing credit strategies covering PL products, including proactive campaigns, account management and exposure management, ensuring adequacy of risk and return as well as regulatory and internal compliance through comprehensive data analysis and predictive financial and credit modeling.
• Support the Senior Manager in bespoke risk deep dives to address concerns raised from the senior management teams, leveraging advanced data analytics and visualization.
• Presenting results of your analysis and recommendations with stakeholders and senior management in Group Risk Management, Product teams, and Collections to understand and propose new strategies designed to help achieve business targets as well as obtain approval of credit strategies with concise rationale supported by comprehensive analysis and documentation.
• Identify and recommend opportunities, and drive initiatives that will enhance strategy and portfolio performance or improve existing processes.
• Develop and manage performance monitoring and reporting for relevant strategies and customer segments, in order to enable actionable insight for key stakeholders, including Group Risk Management.
• Support new strategy development with advanced analytics and data science.
• Engage cross-functional stakeholders across Product, Sales, Operations and Risk Management.
• End-to-end project management, from idea conception, solution design, stakeholder buy-in to implementation and monitoring.

What do you need to succeed?

Must-have

• Bachelor or Master’s degree in Computer Science, Statistics, Economics, Engineering, or other quantitative field of study.
• Expert critical thinker and problem-solver
• Proficient in Excel, SQL, SAS and Python and code management best practices
• Experience with data visualization tools such as Tableau
• Proven experience in delivering high quality and accurate work with the ability to multitask and managing priorities
• Effective and conversant in both business and technical communications

Nice-to-have

• Experience in financial services industry with broad understanding of risk management, credit strategy, and analytics
• Knowledge of Personal banking products

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
• Leaders who support your development through coaching and managing opportunities
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work
• Flexible work/life balance options

Job Skills

Analytics, Business, Business Data Analysis, Credit Analysis, Credit Risks, Credit Strategies, Critical Thinking, Data Analysis, Data Analytics, Database Queries, Data Science, Data Visualization, Decision Making, Financial Services, Financial Services Industry, Python (Programming Language), Quantitative Methods, Risk Management, SAS, Structured Query Language (SQL), Tableau (Software)

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: 2025-11-10
• Application Deadline: 2026-01-10

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

Inclusion and Equal Opportunity Employment