Senior Manager, Credit Modeling and Strategy (Flexiti)

Questrade Financial Group; Toronto; Hybrid; CAD 140,000 - 160,000; Full time

Benefits offered by this job

Health & wellbeing resources

Vacation & personal days

Competitive compensation and benefits

Hybrid work environment

Career growth opportunities

Community involvement

Inclusive and collaborative culture

Job summary

Questrade Financial Group is seeking a Senior Manager, Credit Modeling & Strategy to lead analytics for credit strategies across existing and new products. The role involves building and monitoring models, defining strategy, and collaborating with Account Management to balance sales and profitability.

You will establish data requirements, develop modeling techniques (Logistic/Linear Regression, GLM, gradient boosting) and ensure OSFI-compliant documentation.

Qualifications

• University degree in a quantitative field or equivalent
• 5+ years of experience analyzing credit card data and developing credit modeling using statistical and ML techniques
• Direct report leadership experience
• Experience developing credit strategy for Account Management
• Proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks)
• Hands-on experience with credit model development using Logistic Regression, Linear Regression, GLM, Gradient Boosting
• Experience in Financial Service credit risk focused on credit cards and/or retail financing
• Strong ability to analyze data, identify patterns and debug system issues
• Proactive and agile mindset with ability to resolve technical and process challenges
• Excellent interpersonal skills and team-oriented approach with cross-functional partners
• Meticulous monitoring of system performance and accuracy of data and strategy implementations
• Organizational and independent work style, able to handle tight timelines or emergencies
• Master’s degree in a quantitative field (additional kudos)

Responsibilities

• Data Analysis & Monitoring: lead development, execution and monitoring of credit strategies
• Model & Strategy: execute analytic and modeling projects and establish techniques
• Data Exploration & Strategy: define and test data requirements from internal and external sources
• Continuous Improvement: identify enhancements for strategy, processes and cost reductions
• Monitoring & Governance: establish dashboards and ensure OSFI-compliant documentation and changes

Skills

Data analysis

Team leadership

Cross-functional collaboration

Problem solving

Education

Bachelor's degree in quantitative field

Master’s degree (bonus)

Tools

SAS

Python

R

SQL

DataBricks

Job description

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure. At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work. Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

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?

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.

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.