What you’ll do

The Analytic team at Canadian Tire Bank (CTB) has successfully used multiple sources of data to build high performing strategies across various decision areas. Analysts make use of various techniques and technology in strategy building and its integration of actionable customer intelligence. The position provides the opportunity to participate in the complete life cycle of credit risk management This includes data mining, model building, decision optimization, strategy development and implementation. You will be given the opportunity to interact with a variety of internal and external business partners which will help you develop a thorough understanding of the business, including knowledge of financial services, marketing, and retention strategies.

The Senior Credit Risk Strategist reports to the Manager, Credit Risk Early Stage Customer Management. This position is responsible for the development of credit risk strategies, customer segmentations and providing quality analytics required to build, execute, and refine strategies.

• Develop and implement Credit Card account acquisition strategies within the context of CTFS business objectives. This includes approve/decline and pricing decisions as well as initial line assignment.

• Develop and implement account management strategies within the context of CTFS business objectives. This includes Credit Line Management and Performance Based Pricing.

• Create customer segmentation schemes that will provide our business partners with analytical insight into our customer.

• Conduct validation and maintenance of all strategies and recommend appropriate courses of action.

• Monitor and analyze strategy performance and effectiveness, identify opportunities to improve strategy performance, and translate results into actionable recommendations.

• Develop and maintain expertise with lending, credit /behaviour scoring, portfolio management, data mining and industry trends.

• Develop and maintain expertise with software and systems relating to Credit Risk infrastructure.

What you bring

• University degree (Mathematics, Economics, Finance)

• 3-5 years of experience

• Demonstrated superior analytical, mathematical, and problem solving skills

• Strong knowledge of statistics and predictive methods

• Programming experience, especially with data extraction/mining tools e.g. SAS and SQL

• Meticulousness: We're looking for someone who has a keen eye for detail and demonstrates meticulousness in their work.

• Keen interest in a career in predictive analytics

• Proven ability to translate business needs into statistically sound solutions.

• Exceptional communication skills both oral and written with confidence and passion to share knowledge

• Creative thinker who is observant to seek new opportunities and perceptive to abstract ideas

• Demonstrates behaviours of transparency, accountability, and agility, with ability to prioritize and adapt to business demands and requirements

Nice to Have

• Previous TRIAD experience

• Knowledge of TSYS TS2 systems

• Knowledge of FICO Decision Optimizer

• Experience with predictive modeling

• Knowledge of credit card business

• Proficient in application of analytical and presentation tools

• Previous experience in unsecured lending/credit cards

Hybrid

We value flexibility. We have adopted a hybrid work model whereby employees use a combination of working in office and virtually in service of outcomes. Each leader is empowered to decide what work is best achieved in person based on the unique needs of their team.

About Us

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

Our Commitment to Diversity, Inclusion and Belonging

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better. .

Accommodations

We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.

We are one of Canada’s most admired and trusted companies. With world-class owned brands and exciting market-leading merchandising strategies, we are continually innovating with purpose: to excite and serve Canadian customers from coast-to-coast. We are connected to communities, big and small, from coast-to-coast, offering products and services that reflect the diverse nature of every one of them. From sports to outdoors, automobiles to homes, we know and understand life in Canada like no other retailer can.

We are always on the lookout for curious, creative people who are able to navigate and excel in a rapidly evolving retail environment. If you’re ready to take on new challenges – be it in digital, IT, marketing, data & analytics, merchandising, or one of the many other roles we have – there is a place for you here, so apply today.