Senior Manager, Credit Modeling and Strategy (Flexiti)

Community Trust Company; Toronto; On-site; CAD 140,000 - 160,000; Full time

Benefits offered by this job

Health benefits

Vacation days

Competitive compensation

Hybrid work model

Job summary

Questrade Financial Group through its Flexiti division seeks a Senior Manager, Credit Modeling & Strategy to lead credit modeling and strategy for Buy Now, Pay Later products. You will drive analytics, develop modeling techniques, and shape lending policy while ensuring governance and risk control across Canada.

The role emphasizes data exploration, cross-functional collaboration, and leadership of a team in a hybrid work setting. Strong machine learning and statistical skills are essential.

Qualifications

• University or Master’s degree in a quantitative field (Economics, Statistics, Mathematics, Engineering or equivalent).
• 5+ years of experience analyzing credit card data and developing credit modeling.
• Experience leading direct reports.
• Experience developing credit strategy for Account Management.
• Proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks).
• Hands-on experience with credit modeling techniques (Logistic, Linear, GLM, Gradient Boosting).
• Financial service credit risk experience focused on credit cards/retail financing.

Responsibilities

• Data Analysis & Monitoring: develop, execute and monitor credit strategies balancing sales and profitability across customer lifecycle.
• Model & Strategy: perform analytic modeling projects; establish techniques with rationale.
• Data Exploration & Strategy: define and test data requirements from internal/external sources.
• Continuous Improvement: suggest enhancements for risk processes, rules and strategies.
• Monitoring & Governance: create dashboards; ensure model docs and changes comply with OSFI; escalate risks.

Skills

Credit modeling

Data analysis

ML techniques

SAS

Python

R

SQL

DataBricks

Logistic Regression

Linear Regression

GLM

Gradient Boosting

Credit risk

Education

University degree in quantitative field

Master’s degree in quantitative field

Tools

SAS

Python

R

SQL

DataBricks

Job description

Senior Manager, Credit Modeling and Strategy (Flexiti)

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada

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?

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.

• 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


• 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 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.

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada