Senior Manager, Small Business Credit Strategy

RBC; Toronto; On-site; CAD 85,000 - 110,000; Full time

Job summary

A leading financial institution in Toronto is seeking a Senior Manager for Small Business Credit Strategy. This role involves developing credit strategies through advanced analytics while balancing risk and profitability. The ideal candidate will have over 5 years of experience in analytics, proficient in tools like SAS and SQL, coupled with strong communication skills. Competitive compensation and opportunities for professional growth are offered.

Benefits

Comprehensive Total Rewards Program

Flexible benefits

Competitive compensation

Opportunities for professional growth

Qualifications

• 5+ years of experience performing advanced analytics or data science, ideally for credit lending or deposit products.
• Proficient technical knowledge of data querying tools such as SAS, SQL, Python, etc.
• Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case.

Responsibilities

• Design credit strategies covering Small Business products through comprehensive data analysis.
• Lead end-to-end stakeholder meetings with senior management.
• Identify and recommend opportunities that enhance strategy and portfolio performance.

Skills

Advanced analytics

Data science

SAS

SQL

Python

Critical thinking

Communication skills

Interpersonal skills

Problem-solving skills

Education

MBA

Undergraduate degree in Economics

Undergraduate degree in Business

Undergraduate degree in Statistics

Tools

SAS Enterprise Guide

Job description

Job Description

What is the opportunity? As a Senior Manager, Small Business Credit Strategy, you are primarily responsible for developing credit strategies using advanced analytics for Small Business products as well as improving profitability by recommending solutions that balance risk, reward, operational efficiency, and customer impact. You will support the business targets for growth, while ensuring appropriate risk mitigation strategies are in place and the overall quality of the portfolio is maintained.

What will you do?

• Design credit strategies covering Small Business products, including targeting criteria, adjudication and exposure management, ensuring adequacy of risk and return as well as regulatory and internal compliance through comprehensive data analysis and predictive financial and credit modeling.
• Lead end‑to‑end stakeholder meetings with senior management in Group Risk Management, Product teams, and Collections to understand and propose new strategies designed to help achieve business targets as well as obtain approval of credit strategies with concise rationale supported by comprehensive analysis and documentation.
• Identify and recommend opportunities, and drive initiatives that will enhance strategy and portfolio performance or improve existing processes.
• Develop and manage performance monitoring and reporting for relevant strategies and customer segments, in order to enable actionable insight for key stakeholders, including Group Risk Management.
• Support new strategy development with advanced analytics and data science.
• Cross‑functional stakeholder management of business, operations and other GRM teams.
• Monitor any changes in portfolio risk to pre‑empt stress to Collections.

What do you need to succeed? Must‑have

• 5+ years of experience performing advanced analytics or data science, ideally for credit lending or deposit products.
• Proficient technical knowledge of data querying tools such as SAS, SQL, Python, etc.
• Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders.
• Strong analytical and problem‑solving skills.

Nice‑to‑have

• MBA and/or undergraduate degree in Economics, Business, Statistics or other quantitative field of study.
• Experience in financial services industry with broad understanding of risk management, credit strategy, and analytics.
• Knowledge of personal and business banking products.

What’s in it for you?

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation and commissions.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high‑performing team.
• Opportunities to do challenging work.
• Opportunities in building close relationships with clients.

Job Skills

Big Data, Credit Risks, Critical Thinking, Data Science, SAS Enterprise Guide, Small Businesses

Additional Job Details

Address: RBC Waterpark Place, 88 Queens Quay W, Toronto, Canada

Work hours/week: 37.5

Employment Type: Full time

Platform: Group Risk Management

Job Type: Regular

Pay Type: Salaried

Posted Date: 2025-11-17

Application Deadline: 2025-12-06

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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