Data Scientist, ECL Modeling

Data Scientist, ECL Modeling page is loaded## Data Scientist, ECL Modelinglocations: 500 Lake Shore Blvd W, Toronto, ONtime type: Full timeposted on: Posted Todaytime left to apply: End Date: January 2, 2026 (29 days left to apply)job requisition id: R **Referred applicants should not apply directly to this role.****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.**Why This Role is Important:**Join our IFRS 9 team as Data Scientist, ECL Modeling, where you will play a pivotal role in shaping and executing on ECL (expected credit loss) modeling. You will oversee the development, enhancement, monitoring, and validation of ECL models, leveraging your skillset to provide data-driven insights for key provision decisions and effective credit risk management. This role offers a challenging and rewarding experience, providing the opportunity to lead a team and make a significant impact on the bank's risk management framework. **What You'll Do:*** Lead the ECL enhancement roadmap for the team, in alignment with the overall business strategy by identifying and prioritizing key areas of focus.* Lead, mentor, and manage a high performing team, fostering a culture of continuous learning and development.* Apply statistical techniques and quantitative methods to validate, calibrate, and back test credit risk models.* Oversee and conduct in-depth data analysis and interpret complex financial data to identify patterns, trends, and potential risks.* Engage with senior executives, and business teams to present ECL results, model performance, and key risk insights to enable decision-making.* Create insightful reports, presentations, and dashboards to communicate model outputs, findings, and recommendations effectively.* Stay updated on emerging industry trends, regulatory changes, and advancements in credit risk modeling methodologies to continuously improve existing models.* Collaborate with cross-functional teams to implement model enhancements and provide ongoing support for model performance monitoring and validation. **What You Bring:*** Post-Secondary education in Statistics, Mathematics, or related quantitative field with 3+ years of experience in credit risk management or credit risk modeling* Proven experience in applying credit risk modeling principles and techniques in accordance with accounting standards (IFRS 9 , CECL, etc.)* Strong proficiency in statistical modeling techniques, data analysis, and quantitative methodologies.* Proficient in programming languages which may include: Python, R, SQL, SAS. Experience with GCP (or other cloud) data services (Airflow, BigQuery) is an asset.* Excellent communication skills, with the ability to effectively convey complex concepts and findings to both technical and non-technical partners.* Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations to influence decision-makingCome and join a winning team who demonstrates innovation, energy, creativity and vision. We recognize the importance of a diverse workforce and we therefor encourage applications from Aboriginal Peoples, women, members of a visible minority and persons with a disability. We thank all applicants for their interest, however, only those selected for an interview will be contacted.**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.**Please Note: If you have Employee Self Service (ESS) on Workday, apply to this job via the Workday application.**#EN#SS #LEGAL #ONTogether, we are an organization committed to transforming the everyday banking experience, and providing our customers with the unprecedented value they deserve. We’re looking for entrepreneurial spirits to drive this vision forward, and because our business model is one-of-a-kind, our talent has to be just as unique. That’s where you come in. We will equip you with the freedom to envision, conceptualize and collaborate in a fast paced environment, and you’ll discover what it’s like to push the limits and draw on the talent of your peers. This experience empowers our colleagues on their journey every day, making our promise and vision simple. Come work for a Canadian bank that thinks differently.**A NOTE ON RECRUITMENT FRAUD** Please be advised that recruitment fraud has affected a number of Canadian companies. In such schemes, individuals posing as legitimate recruiters may request personal information and payment from those seeking employment. Loblaw Companies Limited, its subsidiaries, and recruiting agencies will never ask for payment at any stage in the recruitment process.To avoid falling victim to recruitment fraud:* Do not to respond to unsolicited offers from people you are unfamiliar with* Do not disclose personal or financial details via text messages* Beware of employers or agents using webmail email addresses such as @Yahoo or @Hotmail* Hover over email addresses to check the sender’s details* If you are asked for payment of any kind from a recruiter, contact your local police department as this is very likely to be fraudIf you believe you may be the victim of recruitment fraud, please contact us at and report any issues to the .#J-18808-Ljbffr