What is the opportunity? As Manager, Personal Banking Credit Strategy, you are primarily responsible for developing credit strategies using advanced analytics for a Retail Banking credit product as well as improving profitability by recommending solutions that balance risk, reward, operational efficiency, and customer impact. You will work to support the business targets for growth, while ensuring appropriate risk mitigation strategies are in place and the overall quality of the portfolio is maintained
Job Description As Manager, Personal Banking Credit Strategy, you are primarily responsible for developing credit strategies using advanced analytics for a Retail Banking credit product as well as improving profitability by recommending solutions that balance risk, reward, operational efficiency, and customer impact. You will work to support the business targets for growth, while ensuring appropriate risk mitigation strategies are in place and the overall quality of the portfolio is maintained
What will you do? Support the Senior Manager in designing credit strategies covering a retail banking product, including targeting criteria, adjudication and exposure management, ensuring adequacy of risk and return as well as regulatory and internal compliance through comprehensive data analysis and predictive financial and credit modeling.
Presenting results of your analysis and recommendations with stakeholders and senior management in Group Risk Management, Product teams, and Collections to understand and propose new strategies designed to help achieve business targets as well as obtain approval of credit strategies with concise rationale supported by comprehensive analysis and documentation.
Identify and recommend opportunities, and drive initiatives that will enhance strategy and portfolio performance or improve existing processes.
Develop and manage performance monitoring and reporting for relevant strategies and customer segments, in order to enable actionable insight for key stakeholders, including Group Risk Management.




Support new strategy development with advanced analytics and data science.
Cross-functional stakeholder management of business, operations and other GRM teams.
Monitor any changes in portfolio risk to pre-empt stress to Collections.
What do you need to succeed? Must-have 2+ years of experience performing advanced analytics or data science, ideally for credit lending or deposit products.
Proficient technical knowledge of data querying and related tools such as Python, SQL, SAS, Excel, etc.
Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders
Strong analytical, critical thinking, and problem solving skills
MBA and/or Undergraduate degree in Economics, Business, Statistics or other quantitative field of study.
Nice-to-have Experience in financial services industry with broad understanding of risk management, credit strategy, and analytics
Knowledge of Personal banking products
What’s in it for you? We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
A comprehensive Total Rewards Program including bonuses and flexible benefits and competitive compensation
Leaders who support your development through coaching and managing opportunities
Work in a dynamic, cooperative, progressive, and high-performing team
Opportunities to do challenging work
Note: This role is open to flexible start date.
Job Skills Credit Risk Strategy
Additional Job Details Address: RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO
City: Toronto
Country: Canada
Work hours/week: 37.5
Employment Type: Full time
Platform: GROUP RISK MANAGEMENT
Job Type: Regular
Pay Type: Salaried
Posted Date: 2026-07-27
Application Deadline: 2026-08-15
Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

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