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Senior Director, Personal Lending and Auto Credit Strategy

2 months ago

Toronto, Ontario, Canada RBC - Royal Bank Full time
Job Summary

The Senior Director, Personal Lending and Auto Credit Strategy will lead the development and deployment of a comprehensive risk management approach for the Personal Lending and Retail Auto business. This role will be responsible for driving profitable growth while ensuring appropriate risk mitigation strategies are in place to maintain overall portfolio quality and manage potential credit losses within the bank's risk appetite.

Key Responsibilities
  • Manage a team of Directors to optimize profitability of the Personal Lending and Auto portfolio through the design, implementation, and monitoring of effective risk strategies and policies across origination and account management activities.
  • Support business targets for profitable growth while ensuring risk mitigation strategies are in place to maintain overall portfolio quality and manage potential credit losses within the bank's risk appetite.
  • Develop and maintain credit strategies to drive growth while ensuring value and resiliency.
  • Develop new segmentation techniques to improve portfolio profitability.
  • Enhance portfolio insight and management decision-making through the use of leading-edge analytics, methods, and tools to measure the current health of the portfolio and detect opportunities, trends, and anomalies.
  • Support the development and maintenance of the data infrastructure.
  • Provide clear, concise, and insightful portfolio reporting to senior management on all relevant matters related to portfolio quality.
  • Continuously review credit processes and make recommendations for enhancements.
  • Work closely with other PMCS leaders to share and leverage insights across the team, creating a client-centric perspective.
  • Attract, develop, and manage a highly specialized team of analysts and risk professionals.
  • Ensure that employees understand RBC's vision and support and reinforce targeted behaviors that contribute to RBC's goals.
  • Establish individual goals, drive performance management, support career development, and reward strong performance for team members.
Requirements
  • Strong experience in risk management, with a sound understanding of the Personal Lending and Auto business, including product economics.
  • Minimum 7 years' experience in financial services, having recent senior-level positions, and a full awareness of the strategic issues and opportunities facing the industry.
  • Deep knowledge of advanced statistical tools and the ability to use these tools effectively in credit strategies.
  • Deep knowledge of optimization solutions, trading off various objectives (KPIs) within a constrained environment.
  • Strong analytical skills with the ability to interpret data, innovate, and make strategic decisions.
  • Ability to generate unique, actionable insights and recommendations from analytics and use strong presentation skills to develop a compelling business case for senior management.
  • Good understanding of Capital, ROE, and implications to underwriting and credit strategy.
  • Experience in developing a Test & Learn Environment and knowledge of designing and executing comprehensive Foundational Testing.
  • Strong people management skills with a proven ability to lead a team of highly talented individuals and deliver results.
  • Demonstrate strategic business sense and thought leadership to come up with unique ideas to enhance portfolio profitability and improve risk management.
  • Strong knowledge of the various Personal Lending and Auto acquisition channels and the unique risks associated with each.
Preferred Qualifications
  • Extensive experience in Personal Lending risk management with application processing and credit scoring platforms.
What We Offer
  • A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable.
  • Leaders who support your development through coaching and managing opportunities.
  • Ability to make a difference and lasting impact.
  • Work in a dynamic, collaborative, progressive, and high-performing team.
  • A world-class training program in financial services.
  • Flexible work/life balance options.
  • Opportunities to do challenging work.
  • Opportunities to take on progressively greater accountabilities.
  • Opportunities to build close relationships with clients.
  • Access to a variety of job opportunities across business and geographies.