Sr. Manager, Retail Credit Risk

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com

What you’ll be doing

Reporting to the Director, Risk Credit Integrity Oversight (RCIO) Analytics, the Senior Manager, RCIO Analytics will play a pivotal role in managing and enhancing the reporting function of the team. This role involves close collaboration with Analytic Consultants to deliver high-quality insights and reporting solutions. As a subject matter expert, you will provide analytical support to the Analytics team and Business Teams, ensuring that data management, analysis, and reporting processes are optimized to drive operational effectiveness. Additionally, you will support oversight on compliance with credit policies and procedures, working closely with the Quality Assurance team, Fraud Credit Investigations team, and Fraud Risk Management team. 

At CIBC, we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.
 

How you’ll succeed

• Reporting automation - Lead the development and delivery of accurate, timely, and insightful reports to support business decision-making and operational oversight. Ensure robust data management practices, including maintaining data integrity, conducting thorough analysis, and delivering high-quality reporting. Collaborate with cross-functional teams to identify opportunities for process improvements and enhance reporting capabilities.
• Complex analysis - Execute larger and more complex analytics and insights reporting engagements, ensuring the quality and depth of analysis. Deliver results that are clearly communicated, actionable, and insightful to drive business outcomes.
• Relationship management - Build and maintain strong partnerships with the Quality Assurance team, Fraud Credit Investigations team, Fraud Risk Management team, and other key stakeholders. Understand and interpret business requirements, evaluate complex data relationships, and deliver outputs that align with business expectations. Ensure the accuracy and integrity of data and analytical insights to support informed decision-making.
• Effective communication - Present insights and recommendations to management, including executive-level stakeholders, to enable data-driven decision-making. Propose modifications to policies, procedures, business rules, and lending systems, supported by in-depth analytics, to mitigate risks while balancing growth opportunities.

Who you are

• You have expertise in developing a data management and reporting infrastructure and capability on how to leverage data for analysis and strategy deployment.
• You have working knowledge of lending policies, procedures, processes, and systems. Familiarity of secured and unsecured credit data as asset.
• You have experience with analytic and reporting tools, such as SQL, SAS, Python, and Office tools such Excel, PowerPoint, Access.
• You have a University Undergraduate / Graduate degree in Business Administration, Statistics, Compute Science, Mathematics or Economics.
• You are a caring and accountable leader. You're passionate about developing and coaching to bring out the best in people. You have led diverse, high performing teams.
• You have well-developed interpersonal and communication skills sufficient to convey and present factual and conceptual information to all levels of the organization, from analyst to executive management.
• You are highly organized, with the ability to manage multiple concurrent projects ensuring delivery of accurate and complete outputs within defined timelines. You have the ability to prioritize and independently execute assigned work.
• Demonstrated strength liaising with highly technical departments so that system changes made are accurate and effective as well as business teams. Proven ability to bridge the knowledge gaps between Technology and the Business and be able to parley requirements and understanding between the two.
• Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.

• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

• We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

*Subject to plan and program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com

• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Job Location

Toronto-81 Bay, 31st Floor

Employment Type

Regular

Weekly Hours

37.5

Skills

Analytical Thinking, Business Requirements, Communication, Data Integration, Data Quality, Deliverables Management, Prioritization, Quality Improvement, Risk Analytics, Test Planning