Job Responsibility: We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com What you'll be doing As a Senior Manager, Auto Finance Credit Risk, you will support the profitable growth of the auto finance portfolio by providing specialized knowledge of auto finance lending, managing the relationship with the business, working with the manual adjudication team to streamline and optimize the manual reviews, and represent RACD in key projects. The goal is to optimize the risk/reward tradeoff and streamline processes, all of which are critical to the sustainable performance that CIBC's retail risk appetite mandates. At CIBC we enable the work environment most optimal for you to thrive in your role. You will have the flexibility to manage your work activities within a hybrid work arrangement where you will spend 1-3 days per week on-site, while other days will be remote. How you'll succeed

- Portfolio management -Represent RACD in risk related efforts, supporting the portfolio. Manage the relationship with internal and external partners, for the management of the portfolio - the business, external vendor that manages the manual adjudication efforts for new applications, CIBC Collections, and external partners who support management of delinquent accounts.
- Strategy and program analysis - Review portfolio performance and work with the strategy team to develop/enhance acquisition and account management strategies, to enhance the risk/reward trade-off.
- Project and partner engagement - Provide project SME support to approved Risk Management and CIBC-wide initiatives and projects. General administration and business process requirements for RACD team.




- Manage multiple priorities - Prioritize auto finance risk deliverables alongside ad-hoc business user, adjudication, collections, and Executive requests.
- Communication - Convey and present factual and conceptual information on issues that require detailed explanation and interpretation. Effectively communicate material through interpretation, analysis, and assessment to articulate conclusions. Provide credit risk management expertise, guidance, and counsel to business partners during projects especially as it relates to development of robust adjudication and collection processes in order to balance the risk-reward trade-off for the auto finance lending portfolio.

Who you are
- You can demonstrate experience. 3+ years of experience in retail credit (product, risk) - auto finance experience would be beneficial. Experience preparing and delivering presentations. Proficiency with MS Excel.
- You can demonstrate knowledge. Of retail credit risk criteria and methodologies, retail credit experience gained through exposure in product or risk,
- You have a degree/diploma. In Business, Commerce and/or a similar discipline.
- You give meaning to data. You enjoy investigating complex problems and making sense of information. You communicate detailed information in a meaningful way.
- You are motivated by collective success. You know that teamwork can transform a good idea into a great one. You know that an inclusive team that enjoys working together can bring a vision to life.
- You look beyond the moment. You know what you do will make a difference today and tomorrow. You look for current opportunities to define what is possible.
- You love to learn. You are passionate about growing your knowledge. You have a strong sense of curiosity.
- Values matter to you.



You bring your real self to work, and you live our values - trust, teamwork, and accountability.

What CIBC Offers At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.
- We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.
- Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.
- We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

- Subject to plan and program terms and conditions

What you need to know
- CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact View email address on ca.edajobs.com
- You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.
- We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Job Location Toronto-81 Bay, 31st Floor Employment Type Regular Weekly Hours 37.5 Skills Analytical Thinking, Credit Decisions, Credit Risk Management, Group Problem Solving, Retail Credit, Risk Monitoring, Risk Reporting

📌 Senior Retail Credit Risk Manager (Toronto)
🏢 CIBC
📍 Toronto