Risk Manager

All referred applicants must first be submitted through Workday by a current Loblaw Colleague.
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. Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. We are seeking a Manager in Credit Risk, Portfolio Management to lead, craft, and execute dynamic high-performance strategies tailored to our customers unique needs. This pivotal role offers ambitious individuals the opportunity to hone and perfect their expertise in credit risk management, change management, & partner collaboration across diverse products including credit cards & deposit accounts. Develop, manage, and monitor customer risk management processes & strategies on our PC Mastercard & PC Money products which include, but not limited to, limit management, APR pricing strategies, delinquency management, collections, deposit holds, and customer scoring.
Optimize opportunities and refine strategies by using quantitative analysis and test and learn approaches to monitor effectiveness.
Recommend strategy changes based on analytical findings and strong financial analysis. Champion policy or strategy recommendations to Senior Management.
Prioritize projects and ensure that deployments are implemented on time, on schedule, and within expected quality while ensuring stakeholder awareness & engagement.
Be the subject matter expert for credit systems (e.g. TSYS & TRIAD) and point person from a Risk perspective on the decision areas.
collaborate with other business teams to ensure that Credit Risk interests are addressed in business initiatives.
Ensure compliance and audit requirements/documentations are created, maintained, and oversight abilities are continuously improving.
Post-Secondary education or equivalent experience in a quantitative field preferred (Economics, Business Administration, Statistics, Mathematics, Computer Science, or Operations Research).
Minimum of 4 years progressive experience analyzing problems, making strategic recommendations to senior management, and implementing and validating solutions.
Strong knowledge of the credit card life cycle and the P&L financial drivers
Good knowledge of credit card host systems (e.g. Good experience with adaptive control systems (e.g. Good Proficiency with data management and reporting software (SAS, SQL, Python, or R)
Good change management experience and discipline (V, UAT, Post implementation Validation (PIV), etc)
Proficiency with Microsoft Office suite of products is required, & storytelling experience with Think-cell or similar would be an asset.
additional experience with Decision Tree software (GCP machine learning, Angoss, or SAS) & Optimization software (FICO Decision Optimizer) would be an asset.
Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations.
Demonstrated ability to effectively manage multiple projects and priorities simultaneously.
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. All referred applicants must first be submitted through Workday by a current Loblaw Colleague.
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. Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. We are seeking a Manager in Credit Risk, Portfolio Management to lead, craft, and execute dynamic high-performance strategies tailored to our customers unique needs. This pivotal role offers ambitious individuals the opportunity to hone and perfect their expertise in credit risk management, change management, & partner collaboration across diverse products including credit cards & deposit accounts. Develop, manage, and monitor customer risk management processes & strategies on our PC Mastercard & PC Money products which include, but not limited to, limit management, APR pricing strategies, delinquency management, collections, deposit holds, and customer scoring.
Optimize opportunities and refine strategies by using quantitative analysis and test and learn approaches to monitor effectiveness.
Recommend strategy changes based on analytical findings and strong financial analysis. Champion policy or strategy recommendations to Senior Management.
Prioritize projects and ensure that deployments are implemented on time, on schedule, and within expected quality while ensuring stakeholder awareness & engagement.
Be the subject matter expert for credit systems (e.g. TSYS & TRIAD) and point person from a Risk perspective on the decision areas.
collaborate with other business teams to ensure that Credit Risk interests are addressed in business initiatives.
Ensure compliance and audit requirements/documentations are created, maintained, and oversight abilities are continuously improving.
Post-Secondary education or equivalent experience in a quantitative field preferred (Economics, Business Administration, Statistics, Mathematics, Computer Science, or Operations Research).
Minimum of 4 years progressive experience analyzing problems, making strategic recommendations to senior management, and implementing and validating solutions.
Strong knowledge of the credit card life cycle and the P&L financial drivers
Good knowledge of credit card host systems (e.g. Good experience with adaptive control systems (e.g. Good Proficiency with data management and reporting software (SAS, SQL, Python, or R)
Good change management experience and discipline (V, UAT, Post implementation Validation (PIV), etc)
Proficiency with Microsoft Office suite of products is required, & storytelling experience with Think-cell or similar would be an asset.
additional experience with Decision Tree software (GCP machine learning, Angoss, or SAS) & Optimization software (FICO Decision Optimizer) would be an asset.
Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations.
Demonstrated ability to effectively manage multiple projects and priorities simultaneously.
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. 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.
Together, we are an organization committed to transforming the everyday banking experience, and providing our customers with the unprecedented value they deserve. We’re looking for entrepreneurial spirits to drive this vision forward, and because our business model is one-of-a-kind, our talent has to be just as unique. 
We will equip you with the freedom to envision, conceptualize and collaborate in a fast paced environment, and you’ll discover what it’s like to push the limits and draw on the talent of your peers. Come work for a Canadian bank that thinks differently. A NOTE ON RECRUITMENT FRAUD
Please be advised that recruitment fraud has affected a number of Canadian companies. Loblaw Companies Limited, its subsidiaries, and recruiting agencies will never ask for payment at any stage in the recruitment process. 
To avoid falling victim to recruitment fraud:
Check any documents for poor grammar and spelling as this is often a warning sign of fraud 
If you are asked for payment of any kind from a recruiter, contact your local police department as this is very likely to be fraud 
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