Manager, Credit Card Portfolio

**All referred applicants must first be submitted through Workday by a current Loblaw Colleague.**

**Location**:
500 Lake Shore Boulevard West, Toronto, Ontario, M5V 2V9

**When you hire great people, great things can happen.**

PC Financial offers unprecedented value to Canadians through payment products. We’re a different kind of bank with a different type of team—we’re collaborative and supportive and have the freedom and responsibility to thrive. Our purpose is to make the everyday simple and better for our customers, and we strive to make every dollar worth more.

Proudly serving over 3 million customers, PC Financial continues to grow by offering payment solutions and services that reward our customers every day. As a subsidiary of Loblaws Company Inc., we share the CORE values of Care, Ownership, Respect and Excellence. We are dedicated to helping Canadians Live Life Well. Join us on our journey.

**Our hybrid model requires this role to be in office 4 days a week with flexible working hours at our Bathurst/Lakeshore location. **

The** Manager, Credit Card Portfolio and Compliance**will be responsible for designing and executing initiatives to improve the portfolio performance of our President Choice Mastercard no annual fee credit card portfolio. The successful individual will also play a key role in understanding compliance risks for all credit cards and provide support to stakeholders to maintain a strong compliance culture across the credit card business.

In collaboration with Credit Risk, Acquisition, Marketing, Digital and other enterprise partners, they will champion and execute our annual plan to drive our spending, lending, and profitability targets.

**What you’ll do**:
**Product Management and Optimization**
- Lead cross functional teams to plan, execute and monitor progress against annual business plans.
- Define and execute initiatives to grow the portfolio and achieve our key performance indicator, including Purchase volume, Revolving balances and profitability targets as well as improve the customer experience
- Lead and collaborate with analytics to understand portfolio optimization opportunities, address target gaps, and ensure data insights inform business decisions
- Partner with credit risk on identifying Account Receivable growth opportunities and ensuring our credit limit strategies enable our desired outcomes
- Ensure competitiveness of our products. Partner with Digital and our Technology teams on new growth initiatives. Business case development to support the prioritization of new initiatives including planning, forecasting, assessing expected return on investments, reporting, and operational oversight

**Performance Monitoring and Reporting**
- Work with Finance on monitoring performance and preparing accurate forecasts on a monthly and quarterly basis
- Create and prepare monthly and ad-hoc business review outlooks with an in-depth understanding to report regularly on key P&L portfolio levers

**Risk and Compliance**
- Manage product risks in partnership with legal, regulatory, risk compliance and reporting with a keen understanding of relevant regulations and policies
- Partner with stakeholders to implement controls, monitor, and document activities, and analyze gaps to ensure product related activities comply with internal policies and regulatory requirements
- Collaborate with internal partners to review credit card marketing, disclosures, and processes
- Investigate and resolve credit card compliance issues, inquiries, and escalations in a timely manner

**What you bring**
- 5+ years’ experience in a Product, Marketing, Business Development in credit cards industry with a key understanding of key credit card drivers and operations
- University degree in Business, Commerce, Mathematics or Engineering
- Strong experience working with risk, legal and compliance stakeholders
- Distinctive problem-solving skills and very strong analytical capabilities
- Demonstrated ability to work in multiple priorities simultaneously and demonstrated track record of implementing results

**Number of Openings**:
1
- PC Financial recognizes Canada’s diversity as a source of national pride and strength. We have made it a priority to reflect our nation’s evolving diversity in the products we sell, the people we hire, and the culture we create in our _organization. Accommodation_ is available upon request for applicants and colleagues with disabilities._

In addition, we believe that compliance with laws is about doing the right thing. Upholding the law is part of our Code of Conduct - it reinforces what our customers and stakeholders expect of us.

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