Jr Analyst, Credit Risk

4 weeks ago

Oakville, Canada CT Bank Full time

**What you'll do**

The mandate of the Credit Management and Banking Operations in Canadian Tire Bank is to build familiarity with our credit card customers to strengthen their relationship with Canadian Tire Corporation. The Credit Risk Late-Stage Customer Management team uses data, systems, and analysis to execute and optimize customer strategies to balance risk with reward. The primary responsibility of this position is to maintain, develop and improve the Credit Risk Control System and Credit Risk Reporting. This role also provides day-to-day support for Credit Risk processes and operating platforms.

In this role, you'll:

- Manage Audit, Compliance and Enterprise Risk Management requirements for Credit Risk and Banking Operations.
- Maintain and improve the overall control system and retain evidence of those controls.
- Consult with internal stakeholders and external auditors as required.
- Deliver accurate, timely reports on portfolio performance and risk monitoring processes.
- Coordinate updates of Operating Directives and Standard Operating Procedures.
- Provide operational support to Credit Risk in areas such as TSYS, New Account Processing, Credit Bureau Accessing/Reporting, and Bankcard Account Management.
- Monitor profile approvals of Credit Risk systems and data access.
- Provide disaster recovery and business continuity support.

**What you bring**
- Post-Secondary Education (Mathematics, Statistics, Business, or quantitative discipline) or equivalent work experience in Financial Services.
- Excellent written, facilitation and verbal communication skills.
- Strong attention to detail, organizational skills, and ability to manage multiple projects.
- Demonstrated ability to problem solve and develop solutions that meet business needs.
- Computer experience, specifically with the Microsoft Office Suite - Excel, Word, PowerPoint.
- Must be able to work independently and seek answers when help is needed.
- Experience in credit.
- Knowledge of Credit Bureau facilities.
- Knowledge of TSYS system and capabilities.
- Knowledge of Bank Operating Directives.

Nice to have
- Knowledge of Risk Management and Credit Cards.
- Programming knowledge (SAS, SQL).

We are looking for individuals who are:

- Creative and courageous, with the ability to manage in an environment of change and ambiguity to help us take bold, strategic moves in this rapidly evolving financial environment.
- Action oriented, and comfortable taking calculated risks to better serve our customers and business.
- Outcome focused, critical thinkers with the ability to analyze and visualize, to ensure continuous improvement across our entire business.
- Collaborative team players with superior influencing skills, who build relationships easily across various stakeholder groups to move initiatives forward.
- Curious, and ready to take on new challenges and are open to doing things differently to help us evolve.

We value flexibility. We have adopted a hybrid work model whereby employees use a combination of working in office and virtually in service of outcomes. Each leader is empowered to decide what work is best achieved in person based on the unique needs of their team.

LI-GS1

**About Us**

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

**Our Commitment to Diversity, Inclusion and Belonging**

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better..

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