Royal Bank of Canada

Senior Manager - Personal Lending Credit Strategy

Royal Bank of Canada$100K — $130K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years experience in risk, pricing, or profitability modeling
  • Familiarity with data analytics tools like SAS, Teradata, Tableau, or Python
  • Strong analytical and problem-solving abilities
  • Excellent communication skills for presenting to senior management
  • Bachelor's degree in a quantitative discipline (statistics, economics, etc.)

Responsibilities

  • Enhance portfolio insight and decision-making through advanced methodologies
  • Provide analytical support to senior management for lending products
  • Lead development and monitoring of credit strategies
  • Identify credit trends and assess strategy effectiveness
  • Ensure integrity of decision criteria in loan systems and campaigns

Benefits

  • Comprehensive Total Rewards Program including bonuses and flexible benefits
  • Supportive leaders who focus on employee development
  • Collaborative and high-performing team environment
  • Engaging and challenging work opportunities
  • Flexible work/life balance options
Full Job Description
Job Description

What is the opportunity?

In this role you will support the Director of the Personal Lending Credit Strategy team in managing Personal Lending portfolio through developing and enhancing credit strategies to increase portfolio profitability.

This role gives the incumbent the opportunity to build on these skills and attributes: cross-functional mindset, understanding of consumer behaviour and RBC risk appetite, and adaptability to the dynamic credit environment. This position specializes in insight-generation through in-depth portfolio analytics, and then taking action on those insights through the development of new credit strategies.

What will you do?
  • Enhance portfolio insight and management decision-making through the use of leading edge methodologies and tools to measure the current health of the portfolio and to discover opportunities, trends, and anomalies.
  • Provide concise and insightful analytical support to senior management on matters relating to acquisitions and account management of personal lending products.
  • Lead credit strategy development and the monitoring of strategy outcomes. The incumbent will need to recognize credit trends, determine strategy effectiveness, and provide recommendations for further enhancements.
  • Support the implementation of strategies and maintain integrity of decision criteria within loan origination systems and campaign processes.


What do you need to succeed?

Must-have
  • 5+ years related work experience developing risk, pricing and/or profitability models
  • Prior experience with data manipulation and analytics packages such as SAS, Teradata, Tableau, Python etc.
  • Strong analytical and problem solving skills including understanding of credit risk fundamentals and financial modelling
  • Strong interpersonal, communication and presentation skills, with the ability to articulate a compelling business case to senior management
  • University degree in a quantitative field of study (e.g., statistics, economics, business, computer science, math) - demonstrated ability to think critically, analyze data, and build financial models


Nice-to-have
  • Knowledge of credit risk methodology, including Basel parameter estimation and/or credit/market stress testing models is an asset.
  • Thorough understanding of Financial Institutions business process and risk management framework, including regulatory environment


What's in it for you?

  • A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
  • Leaders who support your development through coaching and managing opportunities
  • Work in a dynamic, collaborative, progressive, and high-performing team
  • Opportunities to do challenging work
  • Flexible work/life balance options


Job Skills
Client Counseling, Critical Thinking, Economic Analysis, Financial Derivatives, Financial Instruments, Investment Banking Analysis, Investment Risk Management, Market Risk, Quantitative Methods

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:

2026-07-03

Application Deadline:

2026-07-07
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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