Royal Bank of Canada

Manager, Cards Credit Strategy and Data Science

Royal Bank of Canada$100K — $130K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in credit strategy or analytics-related roles
  • Advanced proficiency in SQL and experience with Python, GitHub, and AWS
  • Strong analytical skills and experience with financial modeling
  • Proficient in data visualization tools like Tableau and Python libraries
  • Ability to create and deliver impactful presentations to senior management
  • Experience with credit risk fundamentals and adaptive control software

Responsibilities

  • Develop credit strategies to enhance RBC's retail card profitability
  • Utilize data mining and profitability modeling for informed lending decisions
  • Implement and maintain credit strategies within relevant systems
  • Create financial models to predict outcomes and analyze results
  • Leverage testing methodologies to improve credit strategies
  • Lead a team of credit analysts to develop skills and drive performance
  • Evaluate and introduce innovative methodologies and tools for credit strategy

Benefits

  • Comprehensive Total Rewards Program including bonuses and flexible benefits
  • Strong leadership support for personal and professional development
  • Opportunity to make a significant impact within the organization
  • Collaborative and high-performing work environment
Full Job Description
Job Description

What is the opportunity?

The RBC Credit Strategy team is hiring for a Manager, Cards Credit Strategy and Data Science to lead the Cards Account Management 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.

What will you do?
  • 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


What do you need to succeed?

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


What's in it for you?

  • 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


#LI-Post

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:

2026-07-09
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

About Royal Bank of Canada

Royal Bank of Canada Careers

Join the dynamic team at Royal Bank of Canada (RBC), a global leader in financial services and a company committed to excellence and innovation. At RBC, we offer a wide range of job opportunities that empower professionals to shape their career paths with leadership, diversity training, and continuous growth.

Work You’ll Do

At Royal Bank of Canada, we are not just hiring; we are building a culture of innovation and leadership. Our team members are at the forefront of the financial industry, driving transformation and delivering targeted solutions that meet the evolving needs of our clients and communities.

Explore Job Opportunities and Employment at RBC

Whether you are starting your career or looking to take it to the next level, RBC offers positions that challenge your skills and fuel your ambition. From entry-level positions to leadership roles, our job opportunities span across various functions and regions. Join us and be part of a team that values professional growth and diversity.

Internship and Professional Development

Kickstart your career with an internship at Royal Bank of Canada. Our internships provide invaluable hands-on experience, networking opportunities, and insights into the financial services industry. Interns at RBC gain the skills necessary to excel and are often considered for full-time positions within the company.

Benefits and Culture

At RBC, we prioritize the well-being and satisfaction of our employees. Our benefits package is designed to support our team members at every stage of their life and career. RBC’s culture is built on a foundation of respect, integrity, and responsibility, fostering an environment where everyone can thrive.

Career Growth and Innovation

We believe in nurturing the potential of our employees through continuous learning and career development programs. At RBC, you will find endless opportunities to grow professionally through on-the-job experiences, formal training programs, and leadership development initiatives. Our commitment to innovation means we are constantly seeking out new ideas and perspectives, making RBC a perfect place for those who aim to lead and innovate.

Diversity and Inclusion

Diversity is our strength. At Royal Bank of Canada, we are committed to building an inclusive workplace where every employee feels valued and respected. Our diversity training programs are designed to educate and inspire, creating a more inclusive and equitable workplace.

Join Our Team

Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Start your journey with RBC today and be part of a world-class team known for its commitment to client service, community involvement, and innovation.

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Learn more about Royal Bank of Canada
Size
86,007 employees
Market Cap
$130.3 billion
Industry
5 Year Trend
+8.7%
NASDAQ

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