What is the opportunity? The Retail Risk Modeling team specializes in leveraging large datasets to generate new insights and make fact-based decisions on how to profitably grow loan originations by balancing risk, pricing, operational efficiency, and customer impact.

Job Description The Retail Risk Modeling team specializes in leveraging large datasets to generate new insights and make fact-based decisions on how to profitably grow loan originations by balancing risk, pricing, operational efficiency, and customer impact. As a co-op analyst on the team, you will support the team on analyzing, implementing, and testing solutions to support real-time decision making for RBC’s lending business lines (credit cards, home equity financing, various unsecured loans, automotive financing, small business). You will have the opportunity to develop deep understanding of all of RBC's retail banking product offerings through advanced data analytics.

What will you do?

- Support in developing and maintaining AI and machine learning credit risk models used in the credit decisions related to RBC’s various lending business lines across all risk spectrums (from prime to subprime).
- Extract, clean, validate, and analyze usable data from multiple data sources/providers in a distributed compute environment to quantify borrower behavioral patterns and market dynamics.
- Support the construction of prediction systems through the usage of machine learning tools and advanced statistics to select features, create and optimize classifiers or regression models.
- Present result in a clear and concise manner for non-technical stakeholders and comprehensive model documentation.

What do you need to succeed?

Must-have:





- Currently enrolled in a related degree in computer science, finance, mathematics, statistics, or engineering.
- Hands-on SQL and Python coding skills.
- Understanding of advanced statistical methods, machine learning, and AI techniques for classification and regression tasks.
- Demonstrated capability with AI tools such as copilot

Nice to have:

- Experiences with large datasets and big data/cloud technologies (Hadoop, PySpark, S3).
- Experience in code sharing and version control solutions (GitHub).
- Ability to work with UNIX command line.

Please note: This posting is for an 8-months Winter 2027 Student placement with a start date of January 2027, and end date of August 2027. In order to be eligible for this 8-months Student position, you must either:

- Be returning back to school after the work term end-date of August 2027.
- If you are not returning back to school (i.e. are graduating in August 2027), you must require the full 8-months work term as a mandatory component to in order to graduate successfully.

RBC is committed to supporting flexible work arrangements when and where available. The successful candidate for this role will be required to be located within Ontario for the duration of the work term. Details regarding the specific virtual, hybrid,



and in-office arrangements for this Integrated Learning/Co-op position are to be discussed with the Hiring Manager.

ET27

Job Skills

Communication, Computer Literacy, Data Analytics, Detail-Oriented, Interpersonal Relationships, Listening Effectively, Machine Learning (ML), Personal Development, Personal Initiative, Statistics

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: Student/Coop (Fixed Term)

Pay Type: Salaried

Posted Date:

Application Deadline:

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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📌 2027 Winter - GRM, Retail Risk Modeling Analyst Intern (8 Months) (Toronto)
🏢 RBC
📍 Toronto