Manager, Credit Modeling and Strategy (Flexiti)
$110,000–$140,000 year
HybridToronto, Ontario, Canada
Toronto, Ontario, CanadaHybridFull Time$110,000–$140,000 yearLarge
Full TimeLarge
Job Summary
Design and test credit strategies for lending products across the full customer lifecycle, optimizing models using NPV rather than rules-based criteria. Develop credit models for new product launches while identifying material risks and defining data requirements from internal and external sources. Execute, monitor, and document adjudication, account management, and transaction monitoring strategies with rigorous version controls. Collaborate with business leaders to drive analytically-based strategies and provide explanations for recommendations based on deep analysis of credit card data.
Required Qualifications
- University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
- 4+ years of experience analyzing credit card data, developing credit modeling using statistical techniques and ML techniques
- experience with developing credit strategies for adjudication, account management and transaction monitoring
- proficiency in data analysis tools (SAS, Python, R, SQL)
- hands-on experience with credit model development using, Logistic Regression, Linear Regression, GLM, Gradient Boosting and other modeling techniques
- deep understanding of credit modeling along with strategy optimization based on NPV
- familiarity with decisioning platforms such as Triad, FICO DMP, Provenir, etc.
- highly organized, detail-oriented and can initiate proactively
- ability to work independently and handle the pressure of tight timelines
- ability to draw conclusions and provide explanations to make recommendations based on analysis
- problem solver with analytical and conceptual thinking
- leadership experience and a proven ability to collaborate with business leaders to drive analytically-based strategies
- strong work ethic, curious and persistent determination in reviewing and reconciling variances
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