Position Overview 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 will require in-depth analytics, modeling and credit strategy development work.

Benefits

Health & wellbeing resources and programs

Paid vacation, personal, and sick days for work-life balance

Competitive compensation and benefits packages

Work-life balance in a hybrid environment with at least 3 days in office

Career growth and development opportunities

Opportunities to contribute to community causes

Work with diverse team members in an inclusive and collaborative environment

Responsibilities

Data 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.

Qualifications

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

Additional Qualifications

Hold a Master's degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent

Compensation

Base salary range: $140,000 - $160,000

The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full time Permanent roles.

Equal Opportunity Employer 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.

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.

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