Manager, Cards Credit Strategy and Data Analytics

About

The RBC Credit Strategy team is hiring for a Manager, Cards Credit Strategy and Data Analytics to lead the Cards Acquisition team combining credit strategy development with credit talent management responsibilities. You will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio profitability. You will also be accountable for the development of an existing talented credit team within the group.

Responsibilities

• Use data mining, profitability modelling and business intuition to inform lending decisions for cards credit programs such as Line Management and Transaction Authorizations
• Optimize the profitability of RBC’s retail credit card portfolio by analyzing, designing, and recommending credit strategies
• Support the implementation and ongoing integrity of credit strategies within appropriate systems (e.g. Pathfinder, TRIAD)
• Build financial models to simulate financial outcomes of strategy decisions, measure true outcomes against expectations and drive continuous improvement from findings
• Generate learnings to enhance credit strategies using Design of Experiments (DOE), Foundational Testing, Challenger/Champion and other testing methodologies
• 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

Requirements

Must-have

• Expert problem solving skills including understanding of credit risk fundamentals and financial modelling
• Proficient in SQL, 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

Nice-to-have

• Experience with adaptive control software (e.g. TRIAD) and credit scoring technologies
• Equally effective and conversant in business and technical environments

Benefits

• 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

• Business Data Analysis
• Credit Analysis
• Critical Thinking
• Database Queries
• Data Visualization
• Decision Making
• Quantitative Methods
• Risk Management

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: Regular
• Pay Type: Salaried
• Posted Date: 2026-03-16
• Application Deadline: 2026-03-31
• Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

About RBC

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.

Join our Talent Community

Stay in‑the‑know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you. Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well‑being of our clients and communities at jobs.rbc.com.

Royal Bank of Canada is a global financial institution with a purpose‑driven, principles‑led approach to delivering leading performance. Our success comes from the 84,000+ employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to more than 16 million clients in Canada, the U.S. and 34 other countries. Learn more at rbc.com.

We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact.