Position OverviewThe 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 will require in-depth analytics, modeling and credit strategy development work.BenefitsHealth & wellbeing resources and programsPaid vacation, personal, and sick days for work-life balanceCompetitive compensation and benefits packagesWork-life balance in a hybrid environment with at least 3 days in officeCareer growth and development opportunitiesOpportunities to contribute to community causesWork with diverse team members in an inclusive and collaborative environmentResponsibilitiesData Analysis & Monitoring: 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.Model & Strategy: Executing analytic and modeling projects for existing and new products. Establish applicable modeling techniques with rationale.Data Exploration & Strategy: Identifying, defining and testing data requirements from internal and external sources for credit modeling and strategy enhancement.Continuous Improvement: Identifying and suggesting enhancements and opportunities for strategy improvements, process optimization and cost reduction within risk process, rules and strategies.Monitoring & Governance: 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.QualificationsHold a University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalentHave 5+ years of experience analyzing credit card data, developing credit modeling using statistical and ML techniquesHave direct report leadership experienceHave experience with developing credit strategy for Account ManagementHave 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 techniquesHave experience in Financial Service credit risk focused on credit cards and or retail financingHave a strong ability to analyze data, identify patterns, and effectively debug system issuesHave a proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challengesHave excellent interpersonal skills and a team-oriented approach,



capable of working effectively with cross-functional teams and internal/external partnersAre meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementationsAre organized, able to work independently and can handle pressure of tight timelines or emergenciesAdditional QualificationsHold a Master's degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalentCompensationBase salary range: $140,000 - $160,000The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive advantages plan and a competitive incentive (bonus) program for Full-Time Permanent roles.Equal Opportunity EmployerAt 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.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. #J-18808-Ljbffr

📌 Senior Manager, Credit Modeling And Strategy (Toronto)
🏢 Flexiti
📍 Toronto