What the opportunity isThe
Modeling & Segmentation Analytics Team at
Canadian Tire Bank is responsible for developing and maintaining a robust suite of predictive models that support decisioning across our credit card customer lifecycle. We build risk scorecards and classification models used for acquisition, account management, and collections strategies, with a strong emphasis on analytical rigor, regulatory soundness, and business impact. As part of our continued growth, we are seeking a
Senior Data Scientist who can play a key role in advancing our modeling capabilities, influencing consumer strategies, and delivering high-quality, data-driven, machine learning models that inform responsible credit decisions. Reporting directly to the Manager of Data Modeling, you'll be working with a group of other data scientists in charge of the whole model development and monitoring process.
What you'll do- Lead machine learning projects that drive origination, credit limit and collection strategies including managing delivery timelines and coordinating team resources
- Own the full cycle scorecard design and development from initial planning and data sourcing to data modeling and validation
- Deploy new models and track day-to-day scoring activities, addressing system or procedural issues as needed
- Monitor effectiveness of all statistical models and recommend appropriate course of action
- Perform optimization analysis and build supporting component predictions
- Create customer segmentation schemes that provide strategy teams with key customer insights
- Collaborate closely with internal customers, retail-side partners and subject matter experts to understand data, interpret results, translate business needs and synthesize solutions
- Deliver effective presentations of key design elements and model build results to senior management
- Work on related tasks and ad hoc activities to support business objectives
Who you are- A creative and courageous quick learner with the ability to navigate in an environment of change and ambiguity and help us take bold, strategic moves in a rapidly evolving and competitive marketplace
- Action-oriented, self-starter comfortable taking calculated risks to better serve our customers and to support business objectives
- Outcome-focused, critical thinker with the ability to analyze and visualize, to ensure continuous improvement across our entire business Collaborative team player with excellent interpersonal skills, who builds relationships easily across various stakeholder groups to move initiatives forward
What you bring- University degree in Statistics, Actuarial Science or Mathematics. Postgraduate degree in a related discipline is a plus
- Five years or more experience with machine learning building predictive models, developing scorecards, performing statistical analysis, and segmenting customers. Exposure to credit risk management, credit card/banking or fraud is a plus
- Solid understanding of the steps required in model development and the principles of various modeling methodologies. Experience in WOE binning and logistic regression to build scorecards is a plus
- Proficient in SQL, Python and SAS programming languages. Comfortable with ML processes like Pandas, XGBoost, scikit-learn and LightGBM is a plus
- Familiar with FICO Analytics Workbench, SAS Enterprise Miner, Knowledge Seeker, SPSS Modeler and other software ecosystems. Experience in Databricks 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
Broadband Salary Range: $64,000 - 106,000
Our typical hiring range is between $90,000 and $95,000. Salary decisions are also dependent on other factors such as your experience, industry benchmarks, internal equity and other role-specific requirements. For critical roles, the compensation offering will be reviewed to ensure alignment with market rate and conditions and the unique value you bring to the role. #LI-NZ2
This posting represents an existing vacancy within our organization.
We may use artificial intelligence tools as part of our recruitment process to assist in the initial screening of resumes. All hiring decisions, including candidate evaluation, selection, and disposition, are made by human recruiters.
