Credit Risk Analyst

Job Title: Credit Risk Analyst

Location: Oakville, ON (Hybrid)

Estimated Duration: Fulltime

About Us
At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

Job Description
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 Credit Risk Strategist position reports to the Manager, Late Stage Customer Management. The position is responsible for the development of credit risk strategies, customer segmentations & providing quality analytics required to build, execute & refine strategies.
What you’ll do

• Participate in the complete life cycle of credit risk management, including data mining, model building, decision optimization, strategy development & implementation
• Develop, manage and monitor credit risk strategies related to account management and collections
• Monitor strategy effectiveness and identify opportunities to improve strategy performance
• 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
• Formulate plans to address customer needs, in the form of authorization decisions, reinstatement strategies, card reissuance, collections tactics and other related maintenance analytics.
• Prioritize & manage multiple work assignments in a changing business environment to ensure that projects are implemented on time & with quality
• Ensure audit & compliance requirements are maintained and continuously improved

What you bring

• University degree in a quantitative discipline, Mathematics, Statistics, preferred
• Demonstrated 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
• Knowledge of TSYS, TRIAD & BLAZE is an asset

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.