Company: Royal Bank of Canada

Location: Toronto, ON

Expected salary:

Job date: Thu, 10 Jul 2025 23:11:25 GMT

Job description: Job SummaryJob DescriptionWhat is the opportunity?The RBC Credit Strategy team is hiring for a Manager – Credit Strategy & Data Science to lead the Cards Acquisition team combining credit strategy development with credit talent management responsibilities. You will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. You will also be accountable for the development of an existing talented credit team within the group.What will you do?Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction AuthorizationsOptimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategiesSupport the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findingsGenerate learnings to enhance credit strategies using Design of Experiments (DOE), Foundational Testing, Challenger/Champion and other testing methodologiesDesign and implement management systems to foster and develop a best-in-class credit analyst teamTest new methodologies and tools to enhance models and strategies, and drive innovation within credit strategy frameworks and infrastructureWhat do you need to succeed?Must-haveExpert problem solving skills including understanding of credit risk fundamentals and financial modellingProficient in SQL, Excel, SAS, Word, and PowerPointExperience with modern analytical tools and technology stacks; Python, GitHub, AWS, HDFS, etc.Experience with Data Visualization tools such as Python (Matplotlib, Plotly, Seaborn) and TableauAbility to develop effective and collaborative relationships (e.g. with stakeholders, credit bureaus, and remote teams)Ability to design and deliver compelling presentations to senior management and other stakeholdersNice-to-haveExperience with adaptive control software (e.g. TRIAD, Probe) and credit scoring technologiesEqually effective and conversant in business and technical environmentsWhat’s in it for you?We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.A comprehensive Total Rewards Program including bonuses and flexible benefits, fair compensation, commissions, and stock where applicableLeaders who help your development through coaching and managing opportunitiesAbility to make a difference and lasting impactWork in a dynamic, collaborative, progressive, and high-performing team#LI-PostJob Skills Business Data Analysis, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, Quantitative Methods, Risk ManagementAdditional Job DetailsAddress: RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTOCity: TORONTOCountry: CanadaWork hours/week: 37.5Employment Type: Full timePlatform: GROUP RISK MANAGEMENTJob Type: RegularPay Type: SalariedPosted Date: 2025-07-09Application Deadline: 2025-07-31Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date aboveInclusion and Equal Opportunity EmploymentAt RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.Join our Talent CommunityStay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at .