Senior Data Scientist

About Us
Canadian Tire Corporation, Limited (“CTC”) is one of Canada’s most admired and trusted companies. With more than 90 Owned Brands, 1,700 retail locations, financial services, exemplary e-commerce capabilities, and exciting market-leading merchandising strategies. We dream big and work as one to innovate with purpose for our customers at every level of our business, investing in new technologies and products, and doubling down on top talent to drive the company forward. We offer competitive salaries and wages to CTC employees, as well as store discounts, supported learning through our Triangle Learning Academy, Canadian Tire Profit Sharing, and retirement and savings programs for eligible employees. As part of our enhanced flex benefits program, we offer mental health benefits in the amount of $5,000 per year for benefits-eligible employees and their families, including total well-being, and mental health tools and resources for all employees. Join us in helping to make life in Canada better through living and working our Core Values: we are innovators and entrepreneurs at our core, outcomes drive us, inclusion is a must, we are stronger together and we take personal responsibility. It is an especially exciting time to join CTC and its family of companies where career opportunities are wide-ranging! Join us, where there's a place for you here.
We are the financial services division of one of Canada’s most trusted and recognized retailers in the country. It is our mandate to continue to create innovative financial solutions that our customers love. Our growing suite of products and services are a testament to the dynamic contributions of our employees and our continued focus on innovation. Our success is driven by a strong vision, loyal customers, and our ability to build teams that are reflective of the diverse customers and communities where we work and live.
The mandate of the Credit Management & Bank Operations department of Canadian Tire Bank is to provide world class analytics to maximize our credit card portfolio profitability by balancing risk with reward potential. The Data Scientist position reports to the Manager, Customer Modeling & Segmentation. The position is responsible for the design, development and implementation of proprietary credit score models and machine learning techniques that help improve our already strong predictive analytics capabilities.
What you’ll do

• Develop predictive models that will form the basis of information-driven strategies executed within Credit Risk which includes credit limit assignment, marketing promotions, collections and account origination adjudication
• Design and implement robust model deployment techniques, as well as performance metric tracking
• Participate in the development of new predictive models to support the business, including preliminary analyses of available data and advising on feasibility/impact.
• Predictive model validation and evaluation through development of objective-specific metrics
• Develop and maintain expertise with lending, credit scoring, behaviour scoring, portfolio management, direct marketing, data mining, and industry trends
• Perform adhoc analysis as requested by business partners, manger and senior leadership and communicate results
• Perform quantitative analysis on the CTB portfolio and translate results into actionable recommendations
• Foster relationships with internal business partners to develop a thorough understanding of the business & ensure that Credit Risk interests are addressed in collaborative projects
• Prioritize & manage multiple work assignments in a changing business environment to ensure that projects are implemented on time & with quality

What you bring

• University degree in a quantitative discipline, Mathematics, Statistics, preferred
• Demonstrated superior analytical, mathematical and problem-solving skills.
• Proven ability to program in pertinent languages, including SAS, SQL, Python
• Proven ability to translate business needs into statistically sound solutions, and vice versa
• Big picture thinking: Ability to step back and understand impacts on a larger scale and explain complex analytical recommendations to both technical and non-technical stakeholders
• Strong written and oral communication skills when presenting results to business stakeholders
• Knowledge of the credit card lifecycle & credit risk management is preferred

Our Commitment to Diversity, Inclusion and Belonging 
We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better.
 
Accommodations  
We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.