Senior Credit Risk Data Scientist

What you’ll do:

• Lead the development of predictive models that will form the basis for information-driven strategies in credit and collection risk including managing delivery timelines and coordinating team resources

• Own the full cycle scorecard design and development from target definition and data preparation through to implementation, documentation, and performance measurement

• Create customer segmentation schemes that will provide strategy teams with insights into our customers

• Monitor effectiveness of all statistical models and recommend appropriate course of action

• Deploy new models and track day-to-day scoring activities, addressing system or procedural issues as needed

• Perform optimization analysis and build supporting component predictions

• Collaborate closely with subject matter experts to understand and interpret data

• Deliver effective communications of key design elements and development results

• Work on other related functions and ad hoc activities to support business objectives

What you bring:

• University degree in one of the STEM courses. Postgraduate degree in mathematics, statistics or similar disciplines

• Three or more years experience performing statistical analysis, building predictive models, scorecard development or customer segmentation. Exposure in credit risk management or in credit card/banking is a plus

• Proficient expert in at least one of the key data mining tools, e.g. SAS, SQL, Python. Familiarity with statistical modeling software (SAS Enterprise Miner, FICO Analytics Workbench, etc.) is a plus

• Demonstrated superior analytical, mathematical, programming and problem-solving skills

• Ability to accurately and consistently understand and manipulate large volumes of granular and detailed data

• Proven ability to translate business needs into statistically sound solutions

• Capable of clearly communicating analytical results to business stakeholders

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.