Senior Manager, Small Business Credit Strategy

Job Description What is the opportunity? As a Senior Manager, Small Business Credit Strategy, you are primarily responsible for developing credit strategies using advanced analytics for Small Business products as well as improving profitability by recommending solutions that balance risk, reward, operational efficiency, and customer impact. You will support the business targets for growth, while ensuring appropriate risk mitigation strategies are in place and the overall quality of the portfolio is maintained. What will you do? Design credit strategies covering Small Business products, including targeting criteria, adjudication and exposure management, ensuring adequacy of risk and return as well as regulatory and internal compliance through comprehensive data analysis and predictive financial and credit modeling. Lead end‑to‑end stakeholder meetings with senior management in Group Risk Management, Product teams, and Collections to understand and propose new strategies designed to help achieve business targets as well as obtain approval of credit strategies with concise rationale supported by comprehensive analysis and documentation. Identify and recommend opportunities, and drive initiatives that will enhance strategy and portfolio performance or improve existing processes. Develop and manage performance monitoring and reporting for relevant strategies and customer segments, in order to enable actionable insight for key stakeholders, including Group Risk Management. Support new strategy development with advanced analytics and data science. Cross‑functional stakeholder management of business, operations and other GRM teams. Monitor any changes in portfolio risk to pre‑empt stress to Collections. What do you need to succeed? Must‑have 5+ years of experience performing advanced analytics or data science, ideally for credit lending or deposit products. Proficient technical knowledge of data querying tools such as SAS, SQL, Python, etc. Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders. Strong analytical and problem‑solving skills. Nice‑to‑have MBA and/or undergraduate degree in Economics, Business, Statistics or other quantitative field of study. Experience in financial services industry with broad understanding of risk management, credit strategy, and analytics. Knowledge of personal and business banking products. What’s in it for you? A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation and commissions. Ability to make a difference and lasting impact. Work in a dynamic, collaborative, progressive, and high‑performing team. Opportunities to do challenging work. Opportunities in building close relationships with clients. Job Skills Big Data, Credit Risks, Critical Thinking, Data Science, SAS Enterprise Guide, Small Businesses Additional Job Details Address: RBC Waterpark Place, 88 Queens Quay W, Toronto, Canada Work hours/week: 37.5 Employment Type: Full time Platform: Group Risk Management Job Type: Regular Pay Type: Salaried Posted Date: 2025-11-17 Application Deadline: 2025-12-06 Inclusion and Equal Opportunity Employment At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all. Join our Talent Community Stay in‑the‑know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and recruitment events that matter to you. Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well‑being of our clients and communities at jobs.rbc.com. #J-18808-Ljbffr