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About the Role
The Senior Manager, Credit Strategy & Modeling role will be responsible for developing, maintaining, and enhancing credit modeling and strategy for Flexiti’s “Buy Now, Pay Later” business, focused on Account Management activities. This requires in-depth analytics, modeling, and credit strategy development.
Responsibilities
- Leading the development, execution, and monitoring of credit strategies for Account Management that balances sales and profitable growth across the customer life cycle for existing and new products.
- Executing analytic and modeling projects for existing and new products.
- Establishing applicable modeling techniques with rationale.
- Identifying, defining, and testing data requirements from internal and external sources for credit modeling and strategy enhancement.
- Identifying and suggesting enhancements and opportunities for strategy improvements, process optimization, and cost reduction within risk process, rules, and strategies.
- Establishing dashboards to monitor key credit risk activities, delinquency, and profitability performance.
- Ensuring all strategy and model documentation, and changes comply with OSFI (Canada).
- Identifying and escalating material credit risks and trends to senior leadership.
Requirements
- Hold a University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent.
- Have 5+ years of experience analyzing credit card data, developing credit modeling using statistical and ML techniques.
- Have direct report leadership experience.
- Have experience with developing credit strategy for Account Management.
- Have solid proficiency in data analysis tools (SAS, Python, R, SQL, DataBricks).
- Have hands-on experience with credit model development using Logistic Regression, Linear Regression, GLM, Gradient Boosting, and other advanced modeling techniques.
- Have experience in Financial Service credit risk focused on credit cards and or retail financing.
- Have a strong ability to analyze data, identify patterns, and effectively debug system issues.
- Have a proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges.
- Have excellent interpersonal skills and a team-oriented approach, capable of working effectively with cross-functional teams and internal/external partners.
- Are meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations.
- Are organized, able to work independently and can handle pressure of tight timelines or emergencies.
Skills
- Credit Modeling
- Credit Strategy
- Data Analysis
- Statistical Modeling
- Machine Learning
- SAS
- Python
- R
- SQL
- DataBricks
- Logistic Regression
- Linear Regression
- GLM
- Gradient Boosting
- Financial Services Credit Risk
- Credit Cards
- Retail Financing
- Interpersonal Skills
- Teamwork
Location
- Canada
Work Type
- Hybrid
- Full-Time Permanent
Experience Level
- Senior Manager
- 5+ years of experience
Education Level
- University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
- Master’s degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent
Salary/Compensations
- $140,000 - $160,000
Benefits
- Health & wellbeing resources and programs
- Paid vacation, personal, and sick days
- Competitive compensation and benefits packages
- Competitive incentive (bonus) program
About the Company
- Questrade Financial Group (QFG) provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more through its companies: Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti.
- We use cutting-edge technology to help Canadians become much more financially successful and secure.
- At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services.
- We are committed to fostering a diverse, inclusive and accessible work environment where individuals are treated with dignity and respect.
- Our team reflects the diversity of the communities we serve and operate in.
- Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.
Equal Opportunity
- At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.
- Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.
- Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.