Director, Credit Risk Strategy
1 week ago
Director, Credit Risk Strategy - Unsecured Lending Accelerate Her Future® is seeking an experienced Credit Risk Strategist to lead and expand credit risk management across our unsecured lending portfolio. This role reports to the Vice President, Retail Risk, Unsecured Lending and will develop, execute, and refine risk strategies, policies, procedures, and systems. Responsibilities Ensure credit decisions are aligned with the bank’s risk appetite, optimizing risk/return over the long‑term. Drive continuous improvement in strategy effectiveness, leveraging champion/challenger approaches to validate assumptions and justify changes. Monitor portfolio performance, identify trends and drivers, and create plug‑in packages for credit committee and senior leadership reviews. Identify root causes, formulate and implement credit risk strategies to reverse unfavorable trends. Collaborate across the consumer credit lifecycle (origination, account management, collections, etc.) to achieve shared profitable growth objectives within the risk appetite. Lead a high‑performing team of risk analysts and data scientists, assessing and up‑skilling talent as needed. Utilize risk technologies, data reporting, and analytics to optimize strategies, policies, and business rules, with deep understanding of credit bureau data. Support business line initiatives and cross‑functional projects, ensuring all strategic priorities are consistent with the Risk Appetite Framework. Provide data‑storytelling and insights to senior leadership, influencing partners in data infrastructure, modelling, fraud and internal audit. Qualifications Minimum 5 years’ experience in credit risk management within financial services, specifically unsecured lending products. Bachelor’s degree in business, statistics, economics or finance required; MBA, CFA or FRM strongly preferred. Proven data analytics and logical thinking skills, with hands‑on experience in SAS, SQL, R, Python and reporting tools such as Tableau or Power BI. At least 5 years of people‑management experience and strong project‑management and leadership abilities. Excellent communication, written and verbal, with solid deductive reasoning, sound judgment and data storytelling. Strong executive presence and the ability to adapt communication style to diverse audiences. Benefits Competitive rewards package – performance bonus, Employee Share Ownership Program and Pension Plan matching. Health benefits from day one. In‑depth training, ongoing coaching and career development opportunities. Team events, work‑life balance, and community engagement opportunities. Location: Toronto, Ontario, Canada At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation during the recruitment and selection process, please let our Recruitment team know. #J-18808-Ljbffr
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Director, Credit Risk Strategy
1 week ago
Toronto, Canada Questrade, Inc. Full time250 University Ave, Toronto, ON M5H 3E5, Canada Job Description Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate...
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Director, Credit Risk Strategy
1 week ago
Toronto, Canada Questrade, Inc. Full time250 University Ave, Toronto, ON M5H 3E5, Canada Job Description Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate...
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Director, Credit Risk Strategy
1 week ago
Toronto, Canada Questrade, Inc. Full time250 University Ave, Toronto, ON M5H 3E5, Canada Job Description Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate...
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Director, Credit Risk Strategy
6 days ago
Toronto, Canada Questrade, Inc. Full time250 University Ave, Toronto, ON M5H 3E5, Canada Job Description Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate...
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Director, Credit Risk Strategy
3 days ago
Toronto, Ontario, Canada Questrade Financial Group Full timeQuestrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. Questrade uses cutting-edge...
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Director, Credit Risk Strategy
5 days ago
University Ave, Toronto, ON MH E, Canada Questrade Financial Group Full timeWhat's in it for you as an employee of QFG?Health & wellbeing resources and programs Paid vacation, personal, and sick days for work-life balanceCompetitive compensation and benefits packagesWork-life balance in a hybrid environment with at least 3 days in officeCareer growth and development opportunitiesOpportunities to contribute to community causesWork...
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Director, Credit Risk Strategy
4 days ago
University Ave, Toronto, ON MH E, Canada Questrade Financial Group Full timeWhat's in it for you as an employee of QFG?Health & wellbeing resources and programs Paid vacation, personal, and sick days for work-life balanceCompetitive compensation and benefits packagesWork-life balance in a hybrid environment with at least 3 days in officeCareer growth and development opportunitiesOpportunities to contribute to community causesWork...
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Director, Credit Risk Strategy
3 days ago
Toronto, Ontario, Canada Questrade Financial Group Full timeQuestrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. Questrade uses cutting-edge...
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Director, Unsecured Credit Risk Strategy
3 weeks ago
Toronto, Canada Scotiabank Full timeA leading financial institution in Toronto is seeking a Director of Credit Risk Strategy to oversee the development and execution of credit risk strategies for unsecured lending products. This role requires a minimum of 5 years of experience in credit risk management, particularly with unsecured products, and proven skills in data analytics and leadership....
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Director, Unsecured Credit Risk Strategy
3 weeks ago
Toronto, Canada Scotiabank Full timeA leading financial institution in Toronto is seeking a Director of Credit Risk Strategy to oversee the development and execution of credit risk strategies for unsecured lending products. This role requires a minimum of 5 years of experience in credit risk management, particularly with unsecured products, and proven skills in data analytics and leadership....
