Senior Manager, Cards Credit Strategy and Data Analytics

0000050571 Royal Bank of Canada, Singapore Branch; Toronto; On-site; CAD 100,000 - 130,000; Full time

Job summary

A large financial institution in Toronto seeks a Senior Manager for Cards Credit Strategy and Data Analytics to develop strategies for optimizing credit portfolio profitability. The ideal candidate will have over 3 years of analytics experience with a strong understanding of credit risk and financial modeling. The role includes building financial models, supporting credit strategy implementation, and leading a talented analytics team. Competitive compensation and a collaborative environment offered.

Benefits

Comprehensive Total Rewards Program

Leadership development opportunities

Dynamic, collaborative team environment

Qualifications

• 3+ years of progressive analytics experience in lending products.
• Expert problem-solving skills with understanding of credit risk fundamentals.
• Ability to deliver high-quality work and multitask.

Responsibilities

• Develop credit strategies to optimize portfolio profitability.
• Use analytics to inform lending decisions for credit programs.
• Support the growth of a talented analytical credit team.

Skills

Analytical skills

SQL

Python

Financial modeling

Data visualization

Problem solving

Collaboration

Education

University degree in a quantitative field

Tools

Tableau

GitHub

Excel

Job description

Senior Manager, Cards Credit Strategy and Data Analytics page is loaded

Senior Manager, Cards Credit Strategy and Data Analytics

Apply locations TORONTO, Ontario, Canada time type Full time posted on Posted Yesterday time left to apply End Date: August 16, 2025 (17 days left to apply) job requisition id R-0000135261

Job Summary

Job Description

What is the opportunity?

The RBC Credit Strategy team is hiring a Senior Manager, Cards Credit Strategy & Data Analytics. You will use analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. This includes experimental design, statistical analysis, profitability modelling, data mining and analytics. The successful candidate will be responsible to take initiatives through the various phases of ideation, analysis, recommendation for approval and implementation. You will also be accountable for the development of an existing talented credit team within the group.

What will you do?

• Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction Authorizations
• Develop complex quantitative and analytic credit risk metrics and tools to help manage, measure, and monitor credit risk.
• Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
• Generate learnings to enhance credit strategies using Foundational Testing, Challenger/Champion and other testing methodologies
• Support the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)
• Support the attraction, development and establishment of a highly talented analytical credit team
• Design and implement management systems to foster and develop a best-in-class credit analyst team
• Test new methodologies and tools to enhance models and strategies, and drive innovation within credit strategy frameworks and infrastructure

What do you need to succeed?

Must-have

• 3+ years of progressive analytics experience, preferably performing advanced risk analytics and strategy design for lending products
• Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
• Proficient in SQL, Python, Excel (Pivot tables), GitHub
• Experience with Data Visualization tools such as Tableau and Python (Matplotlib, Plotly, Seaborn)
• Ability to design and deliver compelling presentations to senior management and other stakeholders
• Proven experience in delivering high quality and accurate work with the ability to multitask and shift priorities
• Ability to develop effective and collaborative relationships (e.g. with stakeholders, credit bureaus, and remote teams)
• University degree in a quantitative field of study (e.g. statistics, engineering, economics, finance, computer science) – to demonstrate ability for critical thinking, data analytics and financial modeling

Nice-to-have

• People leadership experience leading a team of high performing analysts
• Experience with adaptive control software (e.g. TRIAD) and credit scoring technologies
• Equally effective and conversant in business and technical environments
• 3+ years of direct role-related experience
  

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, fair compensation, commissions, and stock where applicable
• Leaders who help your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team

Job Skills

Client Counseling, Critical Thinking, Derivatives, Economic Analysis, Financial Instruments, Investment Banking Analysis, Investment Risk Management, Market Risk, Quantitative Methods

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:

2025-07-28

Application Deadline:

2025-08-16

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.

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About Us

Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 84,000+ employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to more than 16 million clients in Canada, the U.S. and 34 other countries. Learn more at rbc.com .

We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact .