Manager, Personal Lending Credit Strategy

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

Job summary

A leading financial institution in Toronto is looking for a Manager, Personal Lending Credit Strategy. This role involves developing credit strategies using advanced analytics and ensuring risk mitigation, while aligning with business growth targets. The ideal candidate will have a degree in a quantitative field and proficiency in data analytics tools such as SQL and Python. Competitive compensation and comprehensive benefits package included.

Benefits

Comprehensive Total Rewards Program

Flexible work/life balance options

Supportive leadership for development

Qualifications

• Expert critical thinker and problem-solver.
• Experience with data visualization tools such as Tableau.
• Proficient in Excel, SQL, SAS and Python.

Responsibilities

• Develop credit strategies using advanced analytics.
• Support business targets through comprehensive data analysis.
• Engage stakeholders across Product, Sales, Operations, and Risk Management.

Skills

Analytics

Critical Thinking

Data Analysis

Financial Services

SQL

Python

Data Visualization

Education

Bachelor or Master’s degree in a quantitative field

Tools

Excel

SAS

Tableau

Job description

Job Description

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 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, Mathematics, 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

2025-11-22

Note

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

Inclusion and Equal Opportunity Employment

At 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.

Join our Talent Community

Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.

Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.