Senior Manager, Personal Lending and Credit Strategy
3 days ago
Job Title: Credit Strategy Analyst
Company: RBC
Job Summary:
This is an exciting opportunity to join the Personal Lending Credit Strategy team at RBC as a Credit Strategy Analyst. As a key member of the team, you will support the Director in managing the Personal Lending portfolio by developing and enhancing credit strategies to increase portfolio profitability.
Key Responsibilities:
- Enhance portfolio insight and management decision-making through the use of leading edge methodologies and tools to measure the current health of the portfolio and to discover opportunities, trends, and anomalies.
- Provide concise and insightful analytical support to senior management on matters relating to acquisitions and account management of personal lending products.
- Lead credit strategy development and the monitoring of strategy outcomes. The incumbent will need to recognize credit trends, determine strategy effectiveness, and provide recommendations for further enhancements.
- Support the implementation of strategies and maintain integrity of decision criteria within loan origination systems and campaign processes.
Requirements:
- 5+ years related work experience developing risk, pricing and/or profitability models
- Prior experience with data manipulation and analytics packages such as SAS, Teradata, Tableau, Python etc.
- Strong analytical and problem solving skills including understanding of credit risk fundamentals and financial modelling
- Strong interpersonal, communication and presentation skills, with the ability to articulate a compelling business case to senior management
- University degree in a quantitative field of study (e.g., statistics, economics, business, computer science, math) – demonstrated ability to think critically, analyze data, and build financial models
Nice-to-Have:
- Knowledge of credit risk methodology, including Basel parameter estimation and/or credit/market stress testing models is an asset.
- Thorough understanding of Financial Institutions business process and risk management framework, including regulatory environment
What We Offer:
- A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
- Leaders who support your development through coaching and managing opportunities
- Work in a dynamic, collaborative, progressive, and high-performing team
- Opportunities to do challenging work
- Flexible work/life balance options
Job Skills:
Consulting, Critical Thinking, Derivatives, Economic Analysis, Financial Instruments, Investment Banking Analysis, Investment Risk Management, Market Risk, Quantitative Methods-
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