76 Banking Risk jobs in Canada

Job Description

Job Description

Salary:

ABOUT HELCIM

Helcim was founded with a mission at heart: to be the worlds most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable, we can empower them to grow and prosper. Simply put, helping small businesses thrive is at the very core of our business model, and we think thats a great way to do business.

From the very start, we knew that we wanted to be different from every payment processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another cost of doing business. We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money, all while treating them like human beings.

THE POSITION

Helcim is searching for a talented and passionate Credit Risk Analyst to join us on our mission to become the worlds most loved payments company.

As our Credit Risk Analyst, you will focus on refining our credit risk frameworks, processes and guidelines with the goal of minimizing our exposures associated with both new customer onboarding as well as ongoing monitoring/rolling underwriting with our established merchants. The challenge, should you choose to accept it, is to help us develop the aforementioned credit framework that manages our credit risk at scale while preserving a quality, human focused experience that encourages our customers to grow with us.

This is an exciting opportunity to become an integral part of our risk management team at a high-growth fintech company changing the payments landscape. You will use your knowledge of SMB credit risk to help inform our credit decisions, build our credit processes, and work with our talented developers to create underwriting models for machine based decision making. Youll help with account credit reviews and create workflows that guide our Trust and Safety team through credit risk mitigation processes in their day-to-day work.

In this role you will meld your commercial credit expertise with real world processes to help us create and run an efficient, seamless, precise financial risk mitigation programme that encourages customer growth while reducing our risk.

Here are the things youll own day to day:

• Build and implement strategies based on credit risk models for new merchant onboarding as well as rolling credit models for established merchants.
• Oversee and conduct day to day merchant credit reviews, including the review of financial statements, credit reports and corporate entity registrations.
• Develop and iterate Trust and Safety team guidance/workflows for working through credit risk events.
• Devise a list of tools for navigating credit inquiries with at-risk merchants.
• Adjust credit models to reflect trends in our processing activity and real world events that could impact the financial health of our customers and mitigate our exposure to those risks.
• Establish close relationships and work with key internal and external partners across product, software engineering, trust and safety teams and third party suppliers (data and credit bureaus) to develop strategies for improving and iterating how we manage credit risk.
• Monitor and ensure compliance with organizational, business, strategic, operational, legal, reputation and market risks where applicable.

A SUCCESSFUL CANDIDATE

You're a strategic and empathetic problem-solver with a passion for using data to make informed decisions. You understand that behind every transaction is a human story.

• You have a deep empathy for small business owners and approach challenges with a customer-centric mindset.
• You're a proactive and adaptable thinker, able to navigate and stay ahead in a continuously changing risk landscape.
• You're curious about global financial trends and skilled at applying that knowledge to improve credit risk models.
• You are a self-starter who thrives in a dynamic, fast-paced environment.
• You are adept at systems thinking, capable of building a unified risk framework in collaboration with our Fraud and Compliance teams.
• You're a clear and effective communicator, able to distill complex concepts into simple, actionable workflows for others.
  

Qualifications & Experience:

• Demonstrated experience (2+ years) in a finance, credit, or a related analytical role, with a focus on credit analysis, underwriting, or portfolio management.
• Knowledge of commercial credit principles and experience with tools for business verification and credit management.
• Strong decision-making skills with a solid foundation in credit and financial risk management.
• Comfort with evaluating financial statements and understanding business models across various industries
• Excellent communication skills, both written and verbal, and strong interpersonal abilities.
• High degree of organization and a keen attention to detail.

Bonus points if you have:

• Knowledge or experience in the payments industry. We believe that if you have a strong background in credit, we can teach you the rest!
• A relevant certification such as CFA or FRM (or are actively pursuing one).

HELCIM CULTURE IS;

Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there, invent our way out of problems and we never stop dreaming of better.

Choosing the harder path: We believe that the right decisions are usually the harder ones, so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term, and makes us resilient, so that we not only survive but thrive.

Creating trust: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn, easy to lose and is tested continuously over time, so we make trust our way of life.

Contributing to a company of many: We are stronger because of our collective passion, diversity, and fellowship. We believe only great teams can accomplish great things, and we ask the very best of each other. Together we create our own future.

WORKING AT HELCIM

Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth - opportunities for faster career growth, for more learning, more impact, and accelerated experience - all while surrounding yourself with incredible people working on interesting problems and delivering great results.

Here are some of the reasons we attract such great people:

The Way of the Helcim: At Helcim, we build a team of engaged, caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcims unique culture and environment in our culture book The Way of the Helcim.

Health and dental benefits: Through our Group Benefits, youll get access to dental benefits, extended healthcare benefits for drugs, vision, paramedical coverage (e.g. massage therapists, dieticians, mental health professionals), counseling, health service navigation, life insurance, critical illness and disability insurance, and more. All of these benefits come into effect on Day 1 of employment!

Dedicated Health Spending Account (HSA): An additional budget available for you to spend on health-related expenses (e.g. eyeglasses, therapy).

Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.

Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member, not just people leaders and executives receive equity (aka ownership in the company).

Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.

Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work, so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore, our core hours give team members flexibility to manage other parts of their lives.

Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.

LOGISTICS

Job type: Full-time

Hiring manager: Tim Cruz

Location: Hybrid, In Office Mondays, Wednesdays + Fridays

Candidates must be eligible to work in Canada and be located in Calgary for this position.

**Work Location:**
Burlington, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Risk Management
**Pay Details:**
76 800 $/$6,800 - 115 200 / 115,200 CAD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
**Job Description:**
Department Overview :
The TD Equipment Finance (TDEF) team is a Centre of excellence within TD Specialized Commercial Banking. Our mandate is to structure equipment financing (leases and loans) for business clients and prospects as an alternative to other conventional bank sources of financing such as term loans.
Job Description :
The Analyst TDEF supports new business initiatives in the equipment finance business, with the portfolio of direct equipment finance customers and focuses on credit and operational risk management. The position is responsible for preparing and also approving credit reviews (within their DLs) and has responsibilities for monitoring and control within the TDEF portfolio. The Analyst focuses on structuring competitive financing solutions while maintaining credit quality, working on equipment finance portfolio of direct dealing clients together with various Sales Executives and Assistant Account Managers to grow the portfolio, add new clients and meet speed to market expectations. The Analyst reports to the Sr. Manager Credit, TD Equipment Finance. This position is accountable to deliver superior customer experience, drive profitable business growth and achieve the _Quest_ .
On a typical day at work, you will:
+ Structure and package competitive credit solutions on time to meet customer needs. This involves preparing credit applications with a high quality of risk assessment (through credit bureau report, financial statement and previous borrowing history analyses), credit structure, due diligence, and credit presentation (with an emphasis on Transportation and construction equipment).
+ Actively participate and contribute to the growth of TDEF RAC/SBB portfolio.
+ Deliver sound equipment financing expertise.
+ Present unique, complex transactions to senior management team.
+ Work with some of the most highly skilled individuals in the equipment finance industry.
+ Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
+ Contribute to business objectives for Operational Excellence
+ Interpret internal and external business challenges and the industry environment, recommend course of action and standard methodologies to improve products, processes or services
+ Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
+ Provide product and industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
+ Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques
Job Requirements :
+ Undergraduate degree and/or over 5 years of relevant experience
+ Expertise in credit risk assessment and ability to structure
+ Excellent analytical, judgement and decision-making skills
+ Proficient in using MS Office Suite, productivity tools and end-user software
+ A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues
+ Robust organizational skills and with the ability to work in a demanding environment and handle multiple deadlines and priorities
+ Bilingualism (English and French) is required.
**Who We Are:**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**Our Total Rewards Package**
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more ( Information:**
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**Training & Onboarding**
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
**Interview Process**
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
**Accommodation**
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!
**Language Requirement (Quebec only):**
Sans Objet
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**Job Summary**
The role will support the Vice President in the Wholesale Credit Risk Modeling Team within the Credit Strategies Group (CSG). This position offers a challenging yet intellectually stimulating and collegial environment. The primary responsibilities include modeling credit risk for Credit Scorecard projects, automating model production processes, and researching and developing Machine Learning solutions for credit risk models. This role emphasizes financial and statistical modeling, as well as the computer science aspects of these areas.
**Responsibilities**
**Statistical Modeling:**
+ Developing and maintaining credit risk Scorecard models, such as Probability of Default and Loss Given Default Models. Also other credit risk related models such as IFRS 9 and Stress Testing models.
+ Playing a key role in advancing Machine Learning and automation initiatives, including data collection and preparation, feature engineering, parameter tuning, and exploring new academic approaches.
+ Collaborating with model validation and governance teams to develop methods and metrics for relevant model validation.
+ Creating reports and presentations for the Group Manager and Senior Management.
**Model Governance:**
+ Working with model validation and governance teams to develop methods and metrics for ensuring all models continue to perform as expected and within ranges agreed to by internal model audit and model management committees.
**Develop and Maintain Key Contacts:**
+ Collaborating closely with business line and risk managers to assess and manage firm wide risk management.
**New Initiatives:**
+ Applying strong risk knowledge to solve problems relatively independently, without relying on daily supervision.
+ Providing support to the Group Manager on other initiatives such as Machine Learning rating model, and related quantitative research.
**Technical Skills**
+ Strong programming skills in at least one of Python, SAS or R
+ Strong skills in statistical modeling and machine learning methods, including Regression (Linear/Logistic etc.), Decision Tree models such as Gradient Boosting Machines, and Neural Networks.
+ Proficient in data querying languages: SAS/SQL
+ Proficient in Microsoft Office Programs: Word, Power Point, and Excel
+ Sound knowledge of credit products, principles, rules, guidelines, policies, approvals and understanding of credit terminologies in banking industry.
**Experience**
+ Relevant experience in financial/economic modeling and/or Scorecard modeling preferred through prior internship, undergraduate/graduate level research, or work position.
+ Prior Basel II (PD/LGD/EAD models), IFRS 9 and stress testing experience a significant plus.
+ Commitment to quality and accuracy with strong attention to details.
**Education & Training**
+ Bachelor's degree or higher in a quantitative or computer programing field such as Quantitative Finance, Economics, Statistics, Mathematics or Computer Science.
The job description and related application pertains to an opportunity with either MUFG Bank, Ltd., Canada Branch ("MUFG Bank Canada") or MUFG Securities (Canada), Ltd. ("MUFG Securities Canada"). The job description relates to the general nature, scope, quantity and quality of work contemplated for the position. Other duties and responsibilities not specifically described may be assigned from time to time, consistent with knowledge, skills and abilities of the incumbent. The receipt of an application by either MUFG Bank Canada or MUFG Securities Canada, as applicable, does not imply or guarantee employment.
Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.
- As a federally regulated entity, MUFG Bank Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Canadian Human Rights Act and the Canada Labour Code. Where MUFG Bank Canada obtains information relating to protected grounds under the Canadian Human Rights Act as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Bank Canada does not use such information for decision making purposes relating to the position contemplated in this application.
- As a provincially regulated entity, MUFG Securities Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Human Rights Code (Ontario) and the Employment Standards Act (Ontario). Where MUFG Securities Canada obtains information relating to protected grounds under the Human Rights Code (Ontario) as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Securities Canada does not use such information for decision making purposes relating to the position contemplated in this application.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute

Job Description

Job Description

Job Title: Credit Risk Modeling Consultant

Job Description:

We are seeking multiple Credit Risk Modeling Consultants with expertise in credit risk model development and validation. This role involves analyzing risk patterns, optimizing credit frameworks, and ensuring regulatory compliance.

Key Responsibilities:

• Develop and validate credit risk models, including PD, LGD, and EAD.

• Ensure compliance with IFRS 9, AIRB, and CCAR regulations.

• Analyze large datasets to identify trends and improve risk assessment.

• Provide insights on credit scoring, underwriting, and portfolio risk.

• Enhance credit risk frameworks and lending strategies.

• Effectively communicate complex models to non-technical stakeholders.

• Document findings and recommendations.

Required Skills:

• Credit Risk & Modeling: Proven experience in credit risk assessment.

• Model Validation: Expertise in model testing and regulatory compliance.

• Programming Proficiency: Strong skills in SAS, Python, R, or Excel.

• Data Analysis: Ability to work with structured and unstructured data.

• Communication: Strong written and verbal communication skills.

Preferred Qualifications:

• Advanced degree in Finance, Economics, Statistics, Mathematics, or a related field.

• Familiarity with statistical analytics, IFRS 9, AIRB, and CCAR frameworks.

Please include any relevant certifications, technologies, or tools you have worked with.

Even if you don’t fully meet every requirement, we will still be open to review your application. We value diverse expertise and perspectives that drive innovation.

Follow us :

Job Description

Job Description

VP Credit Risk & Analytics

Cambridge ON

With over $1Billion in loans funded, our client has helped hard-working Canadians with personalized money solutions with more flexibility than traditional banks across both its retail and digital channels. They are a member of the Canadian Consumer Finance Association, fully licensed lender with 110+ branches across Ontario. The company believes their customers deserve clear, understandable loan terms and therefore encourage fair and fully disclosed lending practices. The company is on a National growth path, working to digitize the end to end consumer lending experience.

About The Role:

The successful candidates will play an instrumental role assisting with the development of the company's strategy to enhance its Credit Scoring capabilities and exponentially grow its consumer loan portfolio, in branch and digital.

This role will support the development, enhancement and monitoring of all credit scores used in the entire lifecycle of credit: Acquisitions, Adjudication, Credit Limit Assignment, Portfolio Management, Collections, Fraud, Loss Forecasting.

The successful candidate will bring strong statistical knowledge and experience in a credit risk environment with a proven track record of working with other business leaders from across the organization to drive analytically based strategies.

Qualifications:

• 5+ years of experience within consumer lending environment
• Experience building predictive models, regression modeling, credit modelling for auto adjudication, decision trees, logistics regression, etc.
• Experience with R, Matlab, Python or Base SAS.
• Demonstrated understanding of credit scores and, their use in business strategies, post implementation use, and monitoring
• Knowledge of automated decision engines (helped automating decision engines for different clients)
• Strong project management and communication skills
• Proven analytical and conceptual thinker who can adapt to a rapidly changing environment
• Demonstrated ability in working within team and collaborating with multiple stakeholders to understand issues and solve problems
• Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations
• Educational backgrounds in Applied Statistics, Computer Science, Risk Management, Financial Engineering, Statistical Modelling

161 Bay Street (93021), Canada, Toronto,Toronto, Ontario, Senior Manager, Strategy and Analytics - Credit Risk Management

About Capital One Canada

For over 20 years, we've been on a mission to change banking for good and build relationships by making credit accessible, simple, intuitive and rewarding. We want to help Canadians succeed with credit, because we believe in people - in our customers, in our associates, and in talent like you!

Yes, we're a credit card company, but we're more than that too. With your help, we'll build the next generation of banking in Canada based on customer-focused values, compelling products and great engineering. Our culture is built on openness, collaboration, and diverse perspectives - and fraud prevention is at the heart of protecting our customers and our business. From day one, you'll have the opportunity to work on solving complex problems, using data-driven decision making to enhance the overall business strategy, while still maintaining work/life balance.

At Capital One, we love to give our Senior Managers the opportunity to rotate to roles across various teams, so while this role is within the Fraud Strategy team, you will have the opportunity to rotate to new teams throughout your time at Capital One. This is part of our winning formula for creating great future leaders and as such, this role is well suited to high performers looking for growth opportunities.

About the Role

As a Senior Manager, Strategy & Analytics at Capital One, you will apply your strategic and analytical skills to major company challenges. You will work with senior leaders across the Capital One organization to create solutions that drive transformational business change. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation. Furthermore:

• Credit Advisor partnering with business leadership working across the Canada business and with strong links to UK and US Card

• Review and challenge of first line strategy to drive better business and customer outcomes

• Influential beyond the typical expectations of the job level through working in a small team with broad scope

• High degree of senior exposure to leaders in Canada and Credit Risk Management organizations

You will lead a team to formulate strategies, collaborate with experts in areas like legal and technology, and influence senior leadership on critical decisions. You will be a thought leader and influence associates from other job families as well as other people leaders. We work in agile, cross-functional teams so you'll also have the opportunity to learn from others like Data Scientists, Process Managers and Brand Strategists too.

Your Responsibilities

• Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior

• Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics

• Marketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies

• Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis

• Execution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently

• Partnership: Work closely with colleagues across Capital One including: Technology and Software Engineering, Product, Operations, Finance and others to drive improvement in quality, volume, service, and profitability

We are looking for big picture thinking, strategic leaders who possess a range of strengths:

• Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1-3 year horizon.

• Leadership: Will act as a thought leader and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One.

• Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management

• Strong business judgment, leadership and integrity: Be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business

• Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills

• Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment

Basic Qualifications:

• A bachelor's degree or higher

• 4+ years of work experience inclusive of quantitative analysis and project management

• Demonstrated ability to drive business strategy from inception to implementation, leading cross-functional teams

Preferred Qualifications

• Master's Degree

• 4+ years of experience in quantitative and qualitative analysis, or;

• 4+ years of experience in financial modeling and economic forecasting

• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus

Working at Capital One

Enjoy a hybrid work environment, with 3 days in the office. Build a comfortable workspace with our one-time, Work From Home allowance and enjoy our head office located conveniently across the street from Union Station.

Live well-physically, financially and emotionally. Receive support for you and those who are most important to you, with full coverage for spouses, domestic partners, and dependents. With up to $3000 in mental health coverage and up to $5000 in tuition subsidies per year-and much more-you'll discover that Capital One is committed to helping you live your best life.

We may use your information for automated decision making. We may, for certain purposes, render a decision based exclusively on automated processing of your personal information as a part of the candidate screening process.

Capital One Canada is an equal opportunity employer committed to fostering a diverse and inclusive work environment. We consider all qualified applicants and will meet the needs of those requiring reasonable accommodations.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1- or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

161 Bay Street (93021), Canada, Toronto,Toronto, Ontario, Senior Manager, Strategy and Analytics - Credit Risk Management

About Capital One Canada

For over 20 years, we've been on a mission to change banking for good and build relationships by making credit accessible, simple, intuitive and rewarding. We want to help Canadians succeed with credit, because we believe in people - in our customers, in our associates, and in talent like you!

Yes, we're a credit card company, but we're more than that too. With your help, we'll build the next generation of banking in Canada based on customer-focused values, compelling products and great engineering. Our culture is built on openness, collaboration, and diverse perspectives - and fraud prevention is at the heart of protecting our customers and our business. From day one, you'll have the opportunity to work on solving complex problems, using data-driven decision making to enhance the overall business strategy, while still maintaining work/life balance.

At Capital One, we love to give our Senior Managers the opportunity to rotate to roles across various teams, so while this role is within the Fraud Strategy team, you will have the opportunity to rotate to new teams throughout your time at Capital One. This is part of our winning formula for creating great future leaders and as such, this role is well suited to high performers looking for growth opportunities.

About the Role

As a Senior Manager, Strategy & Analytics at Capital One, you will apply your strategic and analytical skills to major company challenges. You will work with senior leaders across the Capital One organization to create solutions that drive transformational business change. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation. Furthermore:

• Credit Advisor partnering with business leadership working across the Canada business and with strong links to UK and US Card

• Review and challenge of first line strategy to drive better business and customer outcomes

• Influential beyond the typical expectations of the job level through working in a small team with broad scope

• High degree of senior exposure to leaders in Canada and Credit Risk Management organizations

You will lead a team to formulate strategies, collaborate with experts in areas like legal and technology, and influence senior leadership on critical decisions. You will be a thought leader and influence associates from other job families as well as other people leaders. We work in agile, cross-functional teams so you'll also have the opportunity to learn from others like Data Scientists, Process Managers and Brand Strategists too.

Your Responsibilities

• Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior

• Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics

• Marketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies

• Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis

• Execution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently

• Partnership: Work closely with colleagues across Capital One including: Technology and Software Engineering, Product, Operations, Finance and others to drive improvement in quality, volume, service, and profitability

We are looking for big picture thinking, strategic leaders who possess a range of strengths:

• Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1-3 year horizon.

• Leadership: Will act as a thought leader and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One.

• Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management

• Strong business judgment, leadership and integrity: Be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business

• Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills

• Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment

Basic Qualifications:

• A bachelor's degree or higher

• 4+ years of work experience inclusive of quantitative analysis and project management

• Demonstrated ability to drive business strategy from inception to implementation, leading cross-functional teams

Preferred Qualifications

• Master's Degree

• 4+ years of experience in quantitative and qualitative analysis, or;

• 4+ years of experience in financial modeling and economic forecasting

• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus

Working at Capital One

Enjoy a hybrid work environment, with 3 days in the office. Build a comfortable workspace with our one-time, Work From Home allowance and enjoy our head office located conveniently across the street from Union Station.

Live well-physically, financially and emotionally. Receive support for you and those who are most important to you, with full coverage for spouses, domestic partners, and dependents. With up to $3000 in mental health coverage and up to $5000 in tuition subsidies per year-and much more-you'll discover that Capital One is committed to helping you live your best life.

We may use your information for automated decision making. We may, for certain purposes, render a decision based exclusively on automated processing of your personal information as a part of the candidate screening process.

Capital One Canada is an equal opportunity employer committed to fostering a diverse and inclusive work environment. We consider all qualified applicants and will meet the needs of those requiring reasonable accommodations.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1- or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).