<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b><u>Job Description</u></b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p></p><p><b>What is the opportunity?</b></p><p></p><p>The RBC Credit Strategy team is hiring for a Senior Manager – Credit Strategy &amp; Data Science to lead the Cards Acquisition team combining credit strategy development with credit talent management responsibilities.</p><p></p><p>As Senior Manager - Credit Strategy &amp; Data Science, 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.</p><p></p><p><b>What will you do?</b></p><ul><li><p>Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction Authorizations</p></li><li><p>Optimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategies</p></li><li><p>Engage senior management and Group Risk Management partners to refine and execute said strategies</p></li><li><p>Support the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)</p></li><li><p>Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings</p></li><li><p>Generate learnings to enhance credit strategies using Design of Experiments (DOE), Foundational Testing, Challenger/Champion and other testing methodologies</p></li><li><p>Support the attraction, development and establishment of a highly talented analytical credit team</p></li><li><p>Design and implement management systems to foster and develop a best-in-class credit analyst team</p></li><li><p>Test new methodologies and tools to enhance models and strategies, and drive innovation within credit strategy frameworks and infrastructure</p></li></ul><p></p><p><b>What will you need to succeed?</b></p><p><b>Must have</b></p><ul><li><p>3+ years of progressive analytics experience, preferably performing advanced risk analytics and strategy design for lending products</p></li><li><p>Expert problem solving skills including understanding of credit risk fundamentals and financial modelling</p></li><li><p>Proficient in SQL, Excel, SAS, Word, and PowerPoint</p></li><li><p>Experience with modern analytical tools and technology stacks; Python, GitHub, AWS, HDFS, etc.</p></li><li><p>Experience with Data Visualization tools such as Python (Matplotlib, Plotly, Seaborn) and Tableau</p></li><li><p>Ability to develop effective and collaborative relationships (e.g. with stakeholders, credit bureaus, and remote teams)</p></li><li><p>Ability to design and deliver compelling presentations to senior management and other stakeholders</p></li><li><p>Proven experience in delivering high quality and accurate work with the ability to multitask and shift priorities University degree in a quantitative field of study (e.g. statistics, engineering, economics, finance, computer science) – to demonstrate ability for critical thinking, data analytics and financial modeling</p></li></ul><p></p><p><b>Nice to Have</b></p><ul><li><p>People leadership experience leading a team of high performing analysts</p></li><li><p>Experience with adaptive control software and credit scoring technologies</p></li><li><p>Equally effective and conversant in business and technical environments</p></li><li><p>3+ years of direct role-related experience</p></li></ul><p></p><p><b>What’s in it for you?</b></p><p></p><p>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.</p><ul><li><p>A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable</p></li><li><p>Leaders who support your development through coaching and managing opportunities</p></li><li><p>Ability to make a difference and lasting impact</p></li><li><p>Work in a dynamic, collaborative, progressive, and high-performing team</p></li><li><p>A world-class training program in financial services</p></li><li><p>Flexible work/life balance options</p></li><li><p>Opportunities to do challenging work</p></li></ul><p></p><p>#LI-Post</p><p>#LI-Hybrid</p><p></p><p></p><p><u><b>Job Skills</b></u></p>Client Counseling, Critical Thinking, Derivatives, Economic Analysis, Financial Instruments, Investment Banking Analysis, Investment Risk Management, Market Risk, Quantitative Methods<p></p><p></p><p><u><b>Additional Job Details</b></u></p><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Address:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>City:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>Toronto<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Country:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>Canada<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Work hours/week:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>37.5<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Employment Type:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>Full time<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Platform:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>GROUP RISK MANAGEMENT<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Job Type:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>Regular<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Pay Type:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>Salaried<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Posted Date:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>2025-06-09<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Application Deadline:</b></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>2025-10-31<p><span><u><b>Note</b></u><b>:</b></span> <i>Applications will be accepted until 11:59 PM on the day prior to the application deadline date above</i></p><p></p><p></p><p><b>I</b><b><b>nclusion</b> and Equal Opportunity Employment</b></p><p></p><p>At 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.</p><p></p><p></p><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>Join our Talent Community</b><br /><br /><span>Stay 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.</span><br /><br /><span>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 <a target="_blank" href="https://jobs.rbc.com/ca/en">jobs.rbc.com</a>.</span></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>

Royal Bank of Canada

Senior Manager - Credit Strategy & Data Science TORONTO, Ontario, Canada

Royal Bank of Canada