Senior Manager, Credit Modeling and Strategy (Flexiti)
$140,000–$160,000 year
HybridToronto, Ontario, Canada
Job Summary
Lead the development, execution, and monitoring of credit strategies for Account Management that balance sales and profitable growth across the customer life cycle. Execute analytic and modeling projects for existing and new products by establishing applicable techniques with rationale. Identify, define, and test data requirements from internal and external sources to enhance credit modeling and strategy. Identify opportunities for strategy improvements, process optimization, and cost reduction within risk processes, rules, and strategies. Establish dashboards to monitor key credit risk activities, delinquency, and profitability performance while ensuring all documentation complies with OSFI standards. Escalate material credit risks and trends to senior leadership. This role supports Flexiti's "Buy Now, Pay Later" business within Questrade Financial Group, leveraging AI-driven innovation to transform customer experiences.
Required Qualifications
- University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
- 5+ years of experience analyzing credit card data, developing credit modeling using statistical and ML techniques
- Direct report leadership experience
- Experience with developing credit strategy for Account Management
- Solid 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 and other advanced modeling techniques
- Experience in Financial Service credit risk focused on credit cards and or retail financing
- Strong ability to analyze data, identify patterns, and effectively debug system issues
- Proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges
- Excellent interpersonal skills and a team-oriented approach, capable of working effectively with cross-functional teams and internal/external partners
- Meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations
- Organized, able to work independently and can handle pressure of tight timelines or emergencies
- Work-life balance in a hybrid environment with at least 3 days in office
Desired Qualifications
- Master's degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
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