Senior Credit Risk Strategist

Canadian Tire Corporation; Oakville; On-site; CAD 64,000 - 106,000; Full time

Job summary

Canadian Tire Bank is seeking a Senior Credit Risk Strategist to lead the development and governance of credit risk strategies across the customer lifecycle in Oakville. The role blends analytics, strategy, and leadership to influence portfolio performance and drive profitable growth.

You will guide complex risk initiatives and partner with senior stakeholders to shape the risk framework. The successful candidate brings advanced analytics experience, a background in lending or credit cards, and

Qualifications

• Degree in a quantitative field (Math, Stats, Economics, Engineering, CS) required.
• Progressive experience in credit risk management and portfolio analytics.
• Experience building and optimizing credit risk strategies in lending or card portfolios.
• Strong data skills with SAS/SQL, Excel, and large data sets.

Responsibilities

• Lead the design, development, implementation, and optimization of credit risk strategies across customer acquisition, adjudication, credit line management, and early-stage customer management.
• Own portfolio monitoring and performance analysis, identifying emerging risks, opportunities, and trends that impact profitability, credit quality, and customer outcomes.
• Apply advanced analytics, segmentation, forecasting, and decision optimization to improve portfolio performance.
• Translate complex analytical findings into actionable recommendations and influence business decisions with data-driven insights.
• Partner with Finance, Fraud, Marketing, Product, Operations, and Technology to deliver integrated risk management solutions.
• Lead cross-functional initiatives from concept to implementation, ensuring alignment with objectives and risk appetite.
• Support development of risk policies, governance, and controls with regulatory and audit compliance.
• Act as SME within Credit Risk, providing leadership and guidance to team members and partners.

Skills

Credit risk management

Portfolio analytics

Decision science

Data-driven decision making

Communication

Education

University degree in quantitative field

Tools

SAS

SQL

Excel

Databricks

Job description

The Credit Management & Bank Operations team at Canadian Tire Bank delivers world-class analytics and risk strategies that optimize portfolio performance while balancing responsible growth and customer experience.

Reporting to the Manager, Early Stage Customer Management, the Senior Credit Risk Strategist is a subject matter expert responsible for developing, optimizing, and governing credit risk strategies across the customer lifecycle. This role combines advanced analytics, strategic thinking, and business leadership to influence portfolio performance and drive profitable growth. The successful candidate will lead complex risk initiatives, provide strategic recommendations to senior stakeholders, and help shape the future direction of Canadian Tire Bank's credit risk framework.

What you'll do

• Lead the design, development, implementation, and optimization of credit risk strategies across customer acquisition, adjudication, credit line management, and early-stage customer management.
• Own portfolio monitoring and performance analysis, identifying emerging risks, opportunities, and trends that impact profitability, credit quality, and customer outcomes.
• Apply advanced analytics, segmentation, forecasting, and decision optimization techniques to improve portfolio performance and drive risk-adjusted growth.
• Translate complex analytical findings into actionable recommendations and influence business decisions through clear, data-driven insights.
• Partner with stakeholders across Finance, Fraud, Marketing, Product, Operations, and Technology to deliver integrated risk management solutions.
• Lead complex cross-functional initiatives from concept through implementation, ensuring alignment with business objectives and risk appetite.
• Support the development and enhancement of risk policies, governance frameworks, and controls while ensuring compliance with regulatory and audit requirements.
• Act as a subject matter expert within Credit Risk, providing leadership, mentorship, and strategic guidance to team members and business partners.

What you bring

• University degree in a quantitative discipline such as Mathematics, Statistics, Economics, Engineering, Computer Science, or a related field.
• Progressive experience in credit risk management, portfolio analytics, decision science, or a related financial services environment.
• Demonstrated experience developing, implementing, and optimizing credit risk strategies within a lending or credit card portfolio is preferred.
• Advanced proficiency in SAS, SQL, Excel, and working with large, complex data sets.
• Strong analytical and problem-solving skills, with experience applying statistical techniques and data-driven decision-making to business challenges.
• Proven ability to translate complex analytical insights into recommendations that influence stakeholders at multiple levels of the organization
• Strong communication, presentation, and relationship management skills, with experience collaborating across diverse business functions.
• Knowledge of credit card portfolio management, risk decision systems (e.g., TSYS, TRIAD, BLAZE), and experience with cloud-based data and AI platforms such as Databricks is considered an asset.

Broadband Salary Range:

$64,000 - 106,000
Ourtypical hiring range is between $80,000 and $95,000. Salary decisions are also dependent on other factors such as your experience, industry benchmarks, internal equity and other role-specific requirements. For critical roles, the compensation offering will be reviewed to ensure alignment with market rate and conditions and the unique value you bring to the role. #LI-NZ2

This posting represents an existing vacancy within our organization.

We may use artificial intelligence tools as part of our recruitment process to assist in the initial screening of resumes. All hiring decisions, including candidate evaluation, selection, and disposition, are made by human recruiters.

About Us

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

Our Commitment to Diversity, Inclusion and Belonging

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better. .

Accommodations

We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.