Manager, Credit Strategy

Toronto - Canada

Monthly Salary: Not Disclosed

Posted on: 3 hours ago

Vacancies: 1 Vacancy

Job Summary

Haventree Bank is a private Canadian Schedule 1 bank specializing in alternative mortgage programs and insured GIC deposits. We help hardworking Canadians from coast-to-coast achieve homeownership by offering flexible mortgage solutions. Our insured GIC deposits offer competitive rates and are available through a variety of wealth management platforms.

About Haventree Bank

Headquartered in Toronto Ontario Haventree Bank (Haventree) is a mission driven alternative mortgage lender. The name Haventree is representative of the banks mission to help its customers find a place of refuge and to lay down new roots for the future. Haventree exists to be a catalyst of financial security and upward mobility for Canadians who are underserved by the traditional financial system.

Position Summary:

Reporting to the Director Credit Risk Management the Manager Credit Strategy plays a critical role in developing and maintaining risk decision-support strategies that enable high-quality data-driven decisions across the customer lifecycle. This role acts as a strategic advisor to business partners leveraging advanced analytics predictive modeling and risk frameworks to support growth optimize performance and ensure regulatory compliance.

Major Duties & Responsibilities:

Design implement and maintain credit risk strategies using analytics business rules and predictive modeling.
Lead the development of the risk strategy management framework and ensure alignment with business objectives.
Responsible for the decision engine requirements and strategy management
Conduct independent analysis to identify strategic opportunities and performance enhancements.
Represent the credit strategy function during internal and external audits or regulatory reviews.
Collaborate with internal and external stakeholders to support strategic initiatives and change management efforts including the implementation of a new loan origination platform decision engine and new credit products
Oversee simulation validation testing and performance reporting for new or modified strategies.
Monitor and report on the effectiveness of credit strategies to internal and external stakeholders.
Manage governance processes including meeting facilitation and oversight documentation.
Provide expert guidance on regulatory requirements and risk model capabilities.
Partner with data owners and vendors to source and validate data for analytical use.
Support the planning and execution of operational programs and strategic roadmaps.
Identify emerging trends and recommend enhancements to risk strategies and frameworks.

Qualifications & Experience:

Degrees Diplomas & Certifications:

Post-secondary degree in a related field (e.g. Finance Economics Data Science) or equivalent experience.

Years and Range of Experience Required to Perform the Job:

57 years of experience in credit risk strategy development or related analytical roles across both secured and unsecured retail credit products.
Deep understanding of credit products risk management theory and regulatory frameworks.
Proficiency in data analytics modeling techniques and risk systems technology.
Experienced working with both Equifax and Transunion as it relates to credit bureau attributes and bureau provided credit scores
Strong verbal and written communication skills.
Demonstrated ability to influence stakeholders and lead cross-functional initiatives.
Advanced problem-solving and decision-making skills.
Experience with data-driven decision-making and performance measurement.
Experience with credit bureau data internal lending systems and external risk models.
Familiarity with tools such as SAS SQL Python or other analytics platforms.
Knowledge of change management methodologies and governance best practices.

While we thank everyone for their interest in Haventree Bank please note that only candidates selected for an interview will be contacted. Haventree Bank is committed to providing accommodation when needed. If you require an accommodation we will work with you to meet your needs.

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Required Experience:

Manager