Senior Manager, Credit Modeling and Strategy

Flexiti Financial Inc.; Toronto; Hybrid; CAD 140,000 - 160,000; Full time

Benefits offered by this job

Hybrid work environment

Comprehensive benefits

Bonus program

Job summary

Flexiti Financial Inc. in Toronto, ON seeks a Senior Manager, Credit Modeling & Strategy to lead modeling and strategy for the BNPL business. You will drive analytics across account management, build robust credit models, and shape strategies to balance sales with profitability.

The role requires 5+ years in credit analytics, leadership of direct reports, and strong skills in SAS/Python/R/SQL. Hybrid work with in-office days is offered in Canada.

Qualifications

• University degree in a quantitative field or equivalent.
• 5+ years of experience analyzing credit card data and developing credit modeling.
• Hands-on leadership of direct reports and cross-functional teams.
• Experience with credit strategy for Account Management.
• Proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks).
• Experience with logistic/linear regression, GLM, gradient boosting, and other modeling techniques.

Responsibilities

• Lead development, execution and monitoring of credit strategies for Account Management.
• Execute analytic and modeling projects for existing and new products with rationale.
• Identify data requirements from internal/external sources for credit modeling and strategy.
• Identify enhancements for risk processes, rules and strategies.
• Establish dashboards to monitor key credit risk activities and profitability.
• Ensure documentation and changes comply with OSFI (Canada).

Skills

Credit modeling

Statistical analysis

ML techniques

Leadership

Cross-functional collaboration

Problem solving

Data-driven decision making

Education

University degree in quantitative field

Master’s degree in quantitative field

Tools

SAS

Python

R

SQL

DataBricks

Job description

What’s in it for you as an employee of Flexiti?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Senior Manager, Credit Modeling & Strategy. Could it be you?

The Senior Manager, Credit Strategy & Modeling role will be responsible for developing, maintaining and enhancing credit modeling and strategy for Flexiti’s “Buy Now, Pay Later” business, focused on Account Management activities. This will require in-depth analytics, modeling and credit strategy development work.

Need more details? Keep reading...

In this role, responsibilities include but are not limited to:

• Data Analysis & Monitoring: Leading the development, execution and monitoring of credit strategies for Account Management that balances sales and profitable growth across the customer life cycle for existing and new products.
• Model & Strategy: Executing analytic and modeling projects for existing and new products. Establish applicable modeling techniques with rationale.
• Data Exploration & Strategy: Identifying, defining and testing data requirements from internal and external sources for credit modeling and strategy enhancement.
• Continuous Improvement: Identifying and suggesting enhancements and opportunities for strategy improvements, process optimization and cost reduction within risk process, rules and strategies.
• Monitoring & Governance: Establishing dashboards to monitor key credit risk activities, delinquency and profitability performance. Ensuring all strategy and model documentation, and changes comply with OSFI (Canada). Identifying and escalating material credit risks and trends to senior leadership.

So are YOU our next Senior Manager, Credit Modeling & Strategy? You are, if you...

• Hold a University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
• Have 5+ years of experience analyzing credit card data, developing credit modeling using statistical and ML techniques
• Have direct report leadership experience
• Have experience with developing credit strategy for Account Management
• Have solid proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks)
• Have hands-on experience with credit model development using, Logistic Regression, Linear Regression, GLM, Gradient Boosting and other advanced modeling techniques
• Have experience in Financial Service credit risk focused on credit cards and or retail financing
• Have a strong ability to analyze data, identify patterns, and effectively debug system issues
• Have a proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges
• Have excellent interpersonal skills and a team-oriented approach, capable of working effectively with cross-functional teams and internal/external partners
• Are meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations
• Are organized, able to work independently and can handle pressure of tight timelines or emergencies

Additional kudos if you…

• Hold a Master’s degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent

Compensation Information:

• Base salary range: $140,000 - $160,000
• The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles.