As the Consultant, Risk Analytics, you will support the analytical work on identifying emerging and changing risk indicators for CIBC's retail lending and small business banking portfolios. You will incorporate the findings in developing innovative capabilities and building a nimble operating model to enable precise and timely decisioning. At CIBC we enable the work environment most optimal for you to thrive in your role. You'll have the flexibility to manage your work activities within a hybrid work arrangement where you'll spend 1-3 days per week on-site, while other days will be remote. How you'll succeed • Credit risk analytics - Develop the data analytics pipelines to unlock value-add opportunities while identifying top emerging and changing risk indicators. Develop agile systems and business processes to enhance precision capabilities and proactively respond to evolving market situations, client needs and technology changes. • Reporting and insights - Effectively communicate material through interpretation, analysis and assessment to articulate conclusions for senior leadership to understand trends and insights. • Risk Management - Sound knowledge of risk management principles and the factors that contribute to risk, with the ability to assess, measure and monitor risk within CIBC guidelines. Demonstrate strong knowledge of principles of credit analysis and risk management relating to the retail banking products. • Relationship building - Liaise with other teams to establish collaborative relationships, understand critical data points and business processes. Who you are • You can demonstrate experience. Technical proficiency with SAS, and/or SQL, Databricks, PowerBI etcKnowledge of retail lending products. • You have a degree/diploma. Degree in Business/Math/Statistics or equivalent work experience. • You put our clients first. You engage with purpose and understand that everyone in the organization has a role to play in finding the right solutions and the adequate balance for our clients. • You give meaning to data. You enjoy investigating complex problems and making sense of information. You communicate detailed information in a meaningful way. • You're goal oriented. You're motivated by accomplishing your goals and delivering your best to make a difference. • 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 clarity in our hiring process. All roles posted are opportunities we're actively recruiting for, unless stated otherwise. • 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 test (such as simulation, coding, French proficiency). • We use artificial intelligence tools during the recruitment process. 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, 29th Floor Employment Type Regular Weekly Hours 37.5 Skills Analytical Work, Communication, Credit Risk Analytics, Credit Risks, Investigating, Retail Banking Products, Risk Management, Teamwork