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Old Toronto, Canada Scotiabank Full timePress Tab to Move to Skip to Content Link Select how often (in days) to receive an alert: Title: Director, International Wealth Management Credit Risk Requisition ID: 204485Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. The Director is liable for the overall credit quality of a...
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Director, Credit Risk Management
2 months ago
We're Canada's top fintech lender, growing fast to make the life of Canadians more affordable. Our flexible financing options help boost sales for our retail partners. If you want to be part of a community where your ideas matter, join us at Flexiti and let's make waves together
Comprehensive health, dental, and vision benefits from the start date, including virtual healthcare.Time away including vacation time, wellness days, volunteer day, and extended holiday weekends in the summertime.Virtual and collaborative work environment – we provide the equipmentGoodLife Fitness gym perks, EAP, and fun social events.Home office credit, referral program, a new vibrant office, and moreFlexiti Financial is looking for a Director, Credit Risk Strategy – Credit Adjudication. Reporting to the VP Credit and Fraud Risk Management, the Director will lead a team that leverages data and analytics to develop and execute credit adjudication strategies for Flexiti’s private-label and general-purpose credit card portfolios. These strategies will enable profitable growth while maintaining a portfolio loss profile that is consistent with Flexiti’s risk appetite.
Responsibilities
- Lead a best-in-class credit risk management team that continuously improves credit adjudication and maximizes approval rates, minimizes customer friction, and delivers profitable risk-adjusted yield.
- Develop and implement profitable Prime and Non-Prime credit adjudication strategies for Flexiti’s private-label and general-purpose credit card portfolios.
- Provide subject matter expertise on managing credit risk in the portfolio.
- Manage key vendor relationships including the credit bureau and decision-engine provider.
- Develop, implement, and monitor credit risk segmentation, risk-ratings, and scores used in adjudication and pricing.
- Develop KPIs and implement reporting that provides insights into the credit risk of originations and detects emerging credit-related trends.
- Monitor, identify and escalate material credit risks and trends, taking ownership of action plans to mitigate losses.
- Produce actionable business insights through the analysis of data.
- Support Legal and Compliance to deliver AML and reporting regulatory requirements.
- Collaborate with a broad range of internal and external stakeholders including those in Risk Management, Software Development, Product Management, and Operations.
Qualifications
- University Degree in a quantitative field, economics, business, engineering, or equivalent.
- Combined minimum of 12+ years of experience analyzing credit card data, implementing credit risk strategies, and making strategic recommendations to senior management.
- Strong understanding of consumer credit card industry and products, credit card business fundamentals, knowledge of P&L reporting and the credit card lifecycle.
- Experience with credit card adjudication platforms, parameter settings, and rules management.
- Knowledge of credit card data and Key Performance metrics.
- Previous people management experience.
- Excellent communicator who will leverage strong oral and written communication skills to effectively present key findings to senior management and other team members.
- At Flexiti, we put the FLEX in flexible by providing “flexible first” opportunities.
- Our new, vibrant office offers good vibes and motivation with access to snacks, free weekly lunches, exciting events, and collaboration
- Dive into the exciting world of consumer financing in a fast-paced and dynamic industry.
Flexiti is committed to creating a creative and inclusive work environment where employees feel free to be who they really are. All job candidates at Flexiti are entitled to equal employment opportunities regardless of their race, color, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, marital status, status as a domestic partner, or any other legally protected status.
Flexiti utilizes artificial intelligence (AI) for applicant screening, selection, or assessment.
