Senior Manager Cards Credit Strategy & Portfolio Management

What is the opportunity?

The RBC Credit Strategy team is hiring for a Senior Manager – Cards Credit Strategy & Portfolio Management to lead Retail Cards credit risk analytics. You will use advanced analytics to identify emerging risk signals, shape the credit risk narrative for the Cards business.
 

What will you do?

• Use data mining, profitability modelling and business intuition to inform lending decisions for Retail Cards credit programs such as Line Management and Acquisitions
• Translate credit risk insights into actionable business levers, and partner with stakeholders to optimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategies
• Engage senior management and Group Risk Management partners to refine and execute said strategies
• Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
• Foundational Testing, Challenger/Champion and other testing methodologies
• Support the attraction, development and establishment of a highly talented analytical credit team
• Design and implement management systems to foster and develop a best-in-class credit analyst team
• Test new methodologies and tools to enhance models and strategies, and drive innovation within credit strategy frameworks and infrastructure
   

What do you need to succeed?

Must-have

• 3+ years of progressive analytics experience, preferably performing advanced risk analytics and strategy design for lending products
• Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
• Proficient in SQL, Python, Excel, Word, and PowerPoint
• Experience with modern analytical tools and technology stacks; Python, GitHub, AWS, HDFS, etc.
• Experience with Data Visualization tools such as Python (Matplotlib, Plotly, Seaborn) and Tableau
• Ability to develop effective and collaborative relationships (e.g. with stakeholders, credit bureaus, and remote teams)
• Ability to design and deliver compelling presentations to senior management and other stakeholders
• Proven experience in delivering high quality and accurate work with the ability to multitask and shift priorities University degree in a quantitative field of study (e.g. statistics, engineering, economics, finance, computer science) – to demonstrate ability for critical thinking, data analytics and financial modeling
   

Nice-to-have

• Equally effective and conversant in business and technical environments
• 3+ years of direct role-related experience
   

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, fair compensation, commissions, and stock where applicable
• Leaders who help your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team

Job Skills

Client Counseling, Critical Thinking, Derivatives, Economic Analysis, Financial Instruments, Investment Banking Analysis, Investment Risk Management, Market Risk, Quantitative Methods

Additional Job Details

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTOTorontoCanada37.5Full timeGROUP RISK MANAGEMENTRegularSalaried2026-05-072026-05-30

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

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.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.