Senior Manager, Unsecured Lending Portfolio Management
$86,000–$160,000 year
On-site · Toronto, Ontario, Canada
Job Summary
Senior Manager, Unsecured Lending Portfolio Management oversees the design and execution of advanced credit acquisition and account management strategies across Credit Card and Unsecured Lending portfolios. The role combines strategic planning with hands-on analytical execution to deliver profitable growth, enhanced customer experience, and portfolio resilience within the organization’s risk appetite. Collaborates with Product, Risk, Technology, Analytics, and Operations to develop scalable, automated strategies leveraging decision tree technologies, machine learning-enabled models, and optimization tools. Responsibilities include strategy development and execution, quantitative modeling and analytics, model application and interpretation, analytical insights and innovation, champion–challenger testing, lifecycle strategy support, technology and deployment partnership, portfolio monitoring and reporting, and governance and compliance to ensure adherence to credit policy and regulatory standards. The position requires applying statistical and ML techniques to develop models and decision frameworks, constructing simulation/forecasting frameworks, and translating analytical insights into implementable strategies while maintaining alignment with risk and business objectives. The salary range is provided as part of the compensation package. The organization emphasizes a collaborative, innovative, and regulated approach to credit risk strategy and portfolio management.
Required Qualifications
- 7+ years of experience in Credit Card/Personal Unsecured lending products and/or Unsecured Lending acquisition and account management strategy
- Graduate degree in a quantitative discipline (Statistics, Mathematics, Actuarial Science, Engineering, Finance, Economics, or related field)
- Strong understanding of credit risk concepts and practical experience as a model user
- Strong understanding of credit lifecycle economics, ROE drivers, and risk-return optimization principles
- Proficiency with decision engines, decision tree software, and analytical platforms (e.g., Python, FICO, SAS, SQL, ML scoring systems)
- Demonstrated ability to translate analytical insights into executable strategies
- Experience managing cross-functional projects and influencing stakeholders
- Familiarity with credit policy, regulatory frameworks, and model governance
- Commitment to innovation, experimentation, and continuous improvement
- Strong communication, influencing, and stakeholder management skills; able to operate autonomously in a fast-paced environment
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