POSITION OVERVIEW

At BDC, the only bank dedicated exclusively to Canadian entrepreneurs, this role supports senior management with high-quality analysis on capital adequacy and portfolio risk. You will connect macroeconomic drivers to portfolio performance, assess risk-adjusted returns, and deliver forward-looking insights. Your work contributes directly to the sound management of portfolios that support the growth of Canadian businesses.

CHALLENGES TO BE MET

• Provide independent portfolio monitoring and escalate key risk issues to management, including analysis of delinquency, downgrades, provisions, pricing, and concentration risks.
• Assess and communicate the impact of regulatory capital requirements (Basel framework) and internal capital metrics to stakeholders.
• Analyze profitability of financial products (loans and investments) on a risk-adjusted basis and link risk drivers to financial performance.
• Ensure data integrity and produce monthly and quarterly risk reports with actionable insights on portfolio trends.
• Conduct scenario analyses and forecasts to support strategic positioning and alignment with the organization’s risk appetite.
• Respond to ad hoc analytical requests using relevant data sources and sound methodologies.
• Recommend and implement process improvements, including automation and enhancements to data quality.
• Lead or contribute to projects involving development of portfolio risk tools, systems, and pilot initiatives.
• Stay informed on industry best practices, regulatory changes, and internal developments affecting portfolio risk management.

WHAT WE ARE LOOKING FOR

Required Qualifications

• 7 to 10 years of experience in a financial institution in risk management, credit risk, or financial analysis.
• Experience with regulatory capital frameworks: Basel (Pillar I and II), OSFI Capital Adequacy Requirements, and guidelines E-18 and E-19.
• Experience analyzing credit risk portfolio performance using key risk indicators (e.g., delinquency, default rates, provisions, concentration risk).
• Ability to analyze and interpret financial product profitability on a risk-adjusted basis.
• Experience preparing portfolio monitoring reports (monthly/quarterly) and presenting insights to management.
• Ability to validate and ensure data integrity across multiple data sources.
• Strong analytical skills with ability to connect macroeconomic variables to portfolio performance.
• Proficiency in Microsoft Office Suite (Excel, PowerPoint) and Power BI.
• Ability to manage multiple priorities, meet tight deadlines, and work under pressure.
• Strong written and verbal communication skills in both French and English.
• Undergraduate degree in Finance, Accounting, Economics, or another quantitative discipline.

Preferred Qualifications

• Knowledge of database structures and querying tools: SQL, Python, Databricks, DAX, VBA.
• Experience in developing or implementing risk management tools or analytical systems.
• Knowledge of the Canadian banking market and business financing products.
• Experience working with portfolios such as Growth & Transition Capital, Venture Capital, Wholesale Financing, Community Banking, or Credit Availability Programs.
• Master’s degree in a relevant discipline.
• Professional designations such as CFA (Chartered Financial Analyst) or FRM (Financial Risk Manager).

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