**Requisition ID:** 213421

**Position:** Senior Manager, Credit Risk Oversight & Analytics, Small Business

**Location:** Ontario, Toronto, Canada

**Overview:**
Join a purpose-driven winning team committed to results in an inclusive and high-performing culture. As the Senior Manager, you will report to the Director of Credit Risk Oversight & Analytics and collaborate with various stakeholders to ensure the development and optimization of credit strategies throughout the lifecycle, including Originations, Account Management, and Collections.

**Key Responsibilities:**
- Lead strategy development and processes for originations, credit limit management, authorization, pricing, re-issue, overlimit, and collections.
- Collaborate with cross-functional teams (IT, Operations, Collections Ops, and project teams) to implement risk strategies and processes.
- Monitor performance to ensure that strategy decisions deliver optimal profitability while aligning with the Bank’s Credit Risk Appetite.
- Drive continuous improvement in strategy effectiveness with a focus on incremental profitability.
- Identify root causes of issues and make recommendations to senior management.
- Develop and review documentation for risk and technical requirements.
- Manage escalations in technology issues with stakeholders to maintain efficient end-to-end processes.
- Negotiate priorities with internal stakeholders to support strategic initiatives.
- Assess and evaluate overall credit strategies and portfolio performance to enhance effectiveness and profitability.
- Ensure adherence to industry best practices and regulatory requirements in credit risk customer management strategies.

**Qualifications:**
- A university degree in mathematics, economics, or a related field.
- 5 - 10 years of relevant work experience.
- Strong understanding of behavior scoring, optimization strategies, policies, and business rules.
- In-depth knowledge of credit bureau information.
- Proficient understanding of retail & Small Business products, processes, and regulatory compliance.
- Exceptional problem-solving ability and strong analytical skills.
- Proficient programming skills in SAS, Python, SQL, Angoss, etc.
- Excellent relationship management skills across the organization.
- Strong executive communication and leadership skills.

**What We Offer:**
- An inclusive and collaborative working environment that encourages creativity and celebrates success.
- A competitive rewards package including performance bonuses, Employee Share Ownership Program, Pension Plan Matching, and Health Benefits from day one.
- Career development and progression opportunities.

**Application Process:**
Candidates must apply directly online to be considered for this role. We encourage applicants from all backgrounds to apply, and we are committed to creating and maintaining an inclusive and accessible environment. Please inform our Recruitment team if accommodations are needed during the recruitment process.