Senior Credit Risk Data Scientist

Canadian Tire Bank is the financial services division of one of Canada’s most trusted and recognized retailers in the country. It is our mandate to continue to create innovative financial solutions that our customers love. Our growing suite of products and services are a testament to the dynamic contributions of our employees and our continued focus on innovation. Our success is driven by a strong vision, loyal customers, and our ability to build teams that are reflective of the diverse customers and communities where we work and live.

The purpose of the Credit Risk Management division of Canadian Tire Bank is to provide world class analytics to maximize our credit card portfolio profitability by balancing risk with reward potential and strengthening the customer relationship with Canadian Tire Corporation.

What you’ll do:

• Analyze credit card portfolio performance and provide actionable insights to optimize risk and profitability

• Develop, maintain, and implement Expected Credit Loss (ECL) models (PD, EAD, LGD) and robust stress testing frameworks

• Build and enhance predictive models using advanced statistical and machine learning techniques

• Conduct exploratory data analysis to identify risk drivers and assess macroeconomic sensitivities

• Prepare and validate data using SAS, SQL and Python to ensure accuracy and reliability for modeling

• Collaborate with Finance and Credit Risk teams to deliver comprehensive analyses

• Effectively communicate results to key stakeholders and senior management

• Manage multiple projects and priorities in a dynamic, fast-changing business environment

What you bring:

• A university degree in a quantitative discipline (Mathematics or Statistics preferred)

• 3+ years of experience in predictive modeling, data analytics, or data science

• Proficiency in programming and data extraction/mining tools such as SAS, SQL or Python

• Strong ability to work with complex data and translate business needs into statistically sound solutions

• Strategic mindset with the ability to see the bigger picture and assess broader impacts

• Excellent written and verbal communication skills for presenting analytical insights to stakeholders

• Hands-on experience with IFRS9 standards and Expected Credit Loss (ECL) modeling

• Knowledge of Macroeconomic Stress Testing (considered an asset)

We’re always looking for great talent! In addition to competitive pay, we offer:

• Comprehensive benefits and retirement programs

• Performance incentives, Continuing Education Programs

• Other perks to support your well-being

• Career growth opportunities and product discounts

Our typical hiring range is between $64,000 and $106,000 Salary decisions are also dependent on other factors such as your experience, job-related knowledge, skills and competencies, market location, industry benchmarks, internal equity and other role-specific requirements. 

About Us

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

Our Commitment to Diversity, Inclusion and Belonging 

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better. .

Accommodations  

We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.