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Director, Credit Risk Strategy – Credit Adjudication Leader
2 months ago
About Flexiti Financial
Welcome to Flexiti Financial, where innovative financial solutions meet strategic growth
We're a leading fintech lender in Canada, rapidly expanding to make the life of Canadians more affordable. Our flexible financing options empower our retail partners to boost sales. Our team of passionate professionals from around the world believes in enjoying the journey and sparking creativity. If you want to be part of a community where your ideas matter, join us at Flexiti Financial and let's drive success together
Learn more about our company culture and values
We're a member of the Questrade Group of Companies (QFG), which includes Questrade Inc., QuestEnterprise, Questrade Wealth Management Inc., CTC, Thinknsure Ltd., and Zolo Ventures Ltd.
The Benefits
- Competitive base pay, RRSP, and bonus plan.
- 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 equipment
- GoodLife Fitness gym perks, EAP, and fun social events.
- Home office credit, referral program, a new vibrant office, and more
Flexiti Financial is seeking a Director, Credit Risk Strategy – Credit Adjudication to lead a team that leverages data and analytics to develop and execute credit adjudication strategies for our private-label and general-purpose credit card portfolios. These strategies will enable profitable growth while maintaining a portfolio loss profile that is consistent with our risk appetite.
This role partners closely with our enterprise partners in product, sales, technology, operations, and customer experience to ensure a seamless customer and merchant experience and profitable revenue growth.
Key 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.
- Demonstrate strong leadership creating an employee culture of empowerment, encouragement, and ongoing development.
- Provide mentorship to team members to excel in their roles and future opportunities.
- Develop and implement profitable Prime and Non-Prime credit adjudication strategies for our private-label and general-purpose credit card portfolios.
- Develop and maintain the code and supporting documentation for rules and calculations within the decision-engine.
- 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.
- Incorporate appropriate industry benchmarks into the portfolio reporting suite.
- 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.
Requirements
- 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.
- Experience with strategy development tools.
- Strong statistical knowledge with a proven track record of working with other business leaders from across the organization to drive analytically based strategies.
- Experience with machine learning and predictive model development and application.
- Knowledge of credit card data and Key Performance metrics.
- Previous people management experience.
Desirable Skills
- Someone who can work independently and likes to roll up their sleeves and get their hands dirty.
- Excellent communicator who will leverage strong oral and written communication skills to effectively present key findings to senior management and other team members.
- Possess strong analytical and problem-solving skills.
- Strong work ethic, curious and persistent determination in reviewing and reconciling variances.
- Highly organized, detail-oriented and can initiate proactively.
- Desire to take full ownership of deliverables and be accountable for results.
