Manager, Pre-Approved Originations, Unsecured Lending

Shape the Future of Credit Risk & Analytics with Impact Innovation and Purpose

Are you passionate about leveraging advanced analytics cutting-edge technology and creative strategy to drive responsible growth and innovation in the financial sector Do you thrive in a collaborative data-driven environment where your insights directly shape the organizations success Join us as Manager Pre-Approved Originations Unsecured Lending and play a pivotal role optimizing risk strategies for Canadas retail unsecured lending portfolioincluding credit cards lines of credit and overdrafts.

• Innovate Credit Risk Strategies: Develop and continuously enhance sophisticated credit risk approaches using predictive models machine learning and champion/challenger testing. Identify and implement new automation opportunities and leverage both traditional and non-traditional data sources to validate assumptions and drive strategy optimization.

• Lead Advanced Analytics: Dive deep into portfolio performance and customer behaviour trends. Translate complex insights into intuitive dashboards and reports using SAS SQL Power BI and other visualization tools. Surface growth opportunities uncover emerging risks and proactively adjust strategies to maximize risk-adjusted returns.

• Drive Automation & Process Improvement: Streamline decisioning criteria for approvals declines limit assignments and more. Champion efficiency through lean adjudication design and technical innovation supporting seamless implementation of strategy changes across multiple technology platforms.

• Collaborate & Influence: Work closely with Product Operations Regulatory Fraud and Audit teams. Effectively communicate risk measures represent the risk perspective across business lines and foster a culture of active listening and clear persuasive communication with stakeholders at all levels.

• Support Strategic Initiatives: Ensure all lending strategies align with the Banks Risk Appetite Framework and support core business prioritiesfrom new product launches to process improvements and acquisitions. Identify opportunities for policy and procedure enhancements to improve productivity and performance.

• Ensure Compliance & Integrity: Maintain adherence to Canadian regulatory standards and internal audit requirements providing timely and effective support for investigations and solutioning as needed. Collaborate with Fraud and Security teams to ensure robust risk controls.

Required Qualifications

• Bachelors degree or higher or equivalent work experience.

• Minimum 2-5 years experience in risk/portfolio management preferably within a retail lending or credit risk management environment.

• Proficiency in analytical programming and database tools (SAS SQL Python or equivalent). Experience applying advanced statistical methodologies and machine learning techniques is considered a strong asset.

• Demonstrated ability to translate complex data into clear dashboards and actionable business insights using visualization tools like Tableau Power BI or Excel (Pivot Tables).

• Excellent communication relationship management and analytical problem-solving skills. Able to engage and influence stakeholders at all levels.

• Strong understanding of credit principles and experience designing strategies that impact organizational P&L.

• Ability to work collaboratively within a team manage multiple priorities and thrive in a fast-paced environment.

Preferred Qualifications

• Bachelors or higher degree in business statistics economics mathematics computer science data science or analytics.

• Prior experience with Canadian regulatory standards and risk appetite frameworks.

• Exposure to fraud management regulatory liaison and internal audit support is a plus.

• Passion for innovation continuous improvement and professional development.