Senior Manager, Credit Scoring

Referred applicants should not apply directly to this role.

All referred applicants must first be submitted through Workday by a current Loblaw Colleague.

Location:

500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9

When you hire great people, great things can happen. 

PC Financial offers unprecedented value to Canadians through payment products. We're a different kind of bank with a different type of team—we’re collaborative and supportive and have the freedom and responsibility to thrive. Our purpose is to make the everyday simple and better for our customers, and we strive to make every dollar worth more.

Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. As a subsidiary of Loblaws Company Inc., we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. Join us on our journey.

Reporting to Director, Credit Risk:

As a Senior Manager, Credit Scoring, you will assume a key lead role responsible for development, implementation, and ongoing monitoring of credit scorecards and predictive models. With a results-oriented focus, you will lead a high performing team and leverage cutting-edge techniques to build powerful credit risk models that will unlock innovative credit risk strategies and drive profitable growth for the Bank.

What You'll Do:

• Lead a team of credit risk professionals responsible for developing and maintaining scorecards for various stages of the customer lifecycle (acquisition, account management, collections)

• Oversee the end-to-end model development lifecycle, from data processing and feature engineering to model validation and implementation

• Utilize advanced statistical techniques such as logistic regression, decision trees, and machine learning algorithms to build robust predictive models

• Cultivate a high-performing team by providing coaching and mentorship, fostering collaboration and innovation, and promoting technical excellence

• Continuously improve risk assessment by enhancing existing models and exploring new techniques

• Manage and enhance model monitoring framework to ensure model accuracy and identify areas of opportunity while ensuring compliance with regulatory requirements

• Foster relationships with internal and external partners to ensure alignment on key objectives of models and implementation strategies

• Communicate complex modeling concepts and results to a wide range of audiences

What You'll Need:

• 7+ years of experience in credit risk management, with a proven track record of developing and implementing scorecards within the financial services industry (credit card experience preferred)

• Post-Secondary education in Statistics, Mathematics, or related quantitative field

• Expert knowledge of statistical modeling techniques, including logistic regression, decision trees, and machine learning algorithms

• Proficient in programming languages such as Python, R, SQL, SAS. Experience with GCP data services (Airflow, BigQuery) is an asset

• Demonstrated leadership skills with a proven ability to manage, mentor, and motivate a team of analytical professionals

• Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations

Come and join a winning team who demonstrates innovation, energy, creativity and vision.  We recognize the importance of a diverse workforce and we therefor encourage applications from Aboriginal Peoples, women, members of a visible minority and persons with a disability.  We thank all applicants for their interest, however, only those selected for an interview will be contacted.

Number of Openings:

1

PC Financial recognizes Canada's diversity as a source of national pride and strength. We have made it a priority to reflect our nation’s evolving diversity in the products we sell, the people we hire, and the culture we create in our organization. Accommodation is available upon request for applicants and colleagues with disabilities.

In addition, we believe that compliance with laws is about doing the right thing.  Upholding the law is part of our Code of Conduct – it reinforces what our customers and stakeholders expect of us.

Please Note: If you have Employee Self Service (ESS) on Workday, apply to this job via the Workday application.

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