Final date to receive applications:
02/27/2026Address:
33 Dundas Street WestJob Family Group:
Strategy & ChangeJoin a pioneering team shaping the future of Canadian Retail Credit Strategies.
We’re building next-generation, end-to-end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities.
Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment.
If you’re passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you.
Develops and maintains risk decision-support strategies using analytical solutions to enable high-quality, fact-based decisions for a designated risk portfolio. Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.
Leads the development of the First Party Fraud (FPF) strategies across all retail credit product suites (i.e. Unsecured Lending, Real Estate Secured Lending or Business Banking) subject to 2
LOD oversight, review and effective challenge, to mitigate losses across CDN P&BB clients and optimize risk-return outcomes within prescribed Board approved risk appetite. Collaborates with the retail product credit strategy leads to proactively manage the customer lifecycle (i.e. acquisition, account management, collections) and streamline products and processes to improve customer experience, fraud prevention effectiveness, and efficiencies while minimizing losses. Supports the execution and ongoing success of FPF strategies to optimize prevention, leveraging the enterprise fraud COE.
Monitors, and calibrates early warning signals to ensure early indications of elevated risk are proactively identified and actioned.
Develops, monitors, and optimizes FPF strategies, tools and capabilities to mitigate first party fraud losses and implement controls and strategies to minimize the onboarding of high-risk customers while optimizing the customer experience and lifecycle journey
Analyzes information from Enterprise Fraud Management (EFM) to identify early warning signs of first party fraud and proactively address vulnerabilities.
Creates and maintains a comprehensive, clear, and socialized Fraud taxonomy and clear tagging criteria to drive insights and improve fraud reporting, prevention and detection.
Ensures changes to taxonomy and definitions are effectively managed and evolving, with 2nd line oversight, review and effective challenge.
Obtains clear input from retail credit product suite leads and coordinates with the EFM team on vendors and tech used to effectively mitigate first party fraud.
Identifies first party fraud vectors and types through analysis of emerging trends, to support to support first party fraud identification tagging and methodology for risk identification.
Provides first party fraud risk assessment and acceptance for current and new processes / products to ensure risks are mitigated to acceptable standards as defined by P&BB’s approved risk appetite.
Leads first party fraud risk mitigation strategy for current and new products submitting recommendations to 2nd line for oversight, review and effective challenge.
Incorporates first party fraud prevention learnings throughout P&BB credit ecosystem ensuring learnings from past strategies and monitoring incorporated into go-forward proposals.
Develops accurate credit proposals (incl. revenue and loss forecasts) and supports policy change proposals, using statistical models developed by 2nd line Modeling team and other analytical methods / tools to mitigate first party fraud losses.
Within the mandate of this role,…
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