Senior Manager, Cards Lending Products

ODAIA; Toronto; On-site; CAD 125,000 - 150,000; Full time

Job summary

A leading credit card business in Canada is seeking a Senior Manager, Cards Lending Product in Toronto. This role involves developing business strategies and leading product development throughout the lifecycle. The ideal candidate will have experience in financial products and credit strategy, along with strong analytical skills. You'll work closely with various teams to drive growth and improve client engagement. This full-time position offers a dynamic work environment and a chance to impact the business significantly.

Benefits

Collaborative team environment

Opportunities for professional growth

Impactful work in the community

Qualifications

• Prior experience in marketing or acquisition of complex financial products.
• Proven ability to leverage data in decision-making processes.
• Ability to synthesize multiple sources of information.

Responsibilities

• Lead product development and management lifecycle.
• Collaborate with cross-functional teams to implement strategies.
• Develop new onboarding curriculum for digital engagement.

Skills

Marketing or acquisition experience

Data-driven decision making

Strategic mindset

Results-driven in complex contexts

Multitasking and priority shifting

Critical thinking skills

Interpersonal and influencing skills

Excellent communication skills

Tools

MS Excel

MS Word

PowerPoint

SQL

SAS

Python

Job description

Job Description

RBC Cards is one of the leading credit card businesses in Canada and is a strong contributor to RBC’s overall Canadian Banking revenues and profits. The business has grown tremendously in the last five years, driven by our strong suite of Credit Card products and innovative strategy.

The successful candidate for this role will be tasked with development and implementation of business strategies for RBC’s lending cards. As the Senior Manager, Cards Lending Product you will partner with various product, risk, modeling and marketing teams, be accountable for the successful execution and integration of business strategies across multiple key stakeholders and be responsible for enhancing shareholder value creation. Specifically, you will contribute to the broader Cards business objectives and results by analyzing credit strategies and supporting model development that align with our product development goals.

What will you do?

• Lead all stages of the product development and management lifecycle and/or support development and implementation of key initiatives
• Support underwriting model development to improve new acquisition adjudication by partnering with Borealis (AI data science team) and credit strategists
• Partner with credit risk to optimize our credit strategies to align with our business objectives and drive growth in balances and acquisitions
• Collaborate with cross‑functional teams, including credit risk, AI modeling, marketing, marketing analytics, product, and acquisition to implement strategies
• Develop and implement a new onboarding curriculum to improve digital engagement with RBC’s digital tools and retention while also encouraging positive client behaviours early
• Identify opportunities for accelerating market share, share of wallet, client engagement & retention, balance growth while meeting our business financial & market share objectives
• Monitor and report on strategy effectiveness and KPI outcomes relative to expectations, identify insights on new opportunities, and preparing executive level presentations.

What do you need to succeed?

Must have:

• Prior marketing or acquisition experience leading complex financial products or credit strategy or risk modeling development experience
• Experience in using data to drive decisions
• Strategic Mindset – ability to think strategically, integrate information from multiple sources and synthesize complex issues
• Strong ability to achieve results in the context of complexity and ambiguity
• Highly organized with ability to multitask and shift priorities
• Excellent critical thinking skills with ability to resolve issues through innovative solutions
• Well‑developed interpersonal and influencing skills to build and maintain effective working relationships and elicit cooperation from internal partners
• Excellent communication skills, including ability to prepare content for senior executives
• Proficient in MS Excel, MS Word, PowerPoint

Nice to have:

• Prior Cards experience or working knowledge of Cards products – understanding of key credit card business drivers and operations
• Proficient in SQL/SAS/Python

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.

• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high‑performing team
• Opportunities to do challenging work

Job Skills

Communication, Critical Thinking, Group Problem Solving, Knowledge Organization, Long Term Planning, Product Development Lifecycle, Product Manufacturing, Product Services, Product Testing, Waterfall Model

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: PERSONAL & COMMERCIAL BANKING

Job Type: Regular

Pay Type: Salaried

Posted Date: 2026-01-27

Application Deadline: 2026-02-11

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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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.