Consultant, Risk Analytics and Credit Decisioning

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com

What you'll be doing

As the Consultant, Risk Analytics and Credit Decisioning, you'll support the profitable growth of the credit cards. In this role, you will perform data-driven analysis to enhance credit decisioning and risk management strategies, while helping improve the quality, completeness, and reliability of lending data. You will work collaboratively with partners across the business to generate insights and support sound credit risk decisions.

At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.  

How you’ll succeed

• Analysis - Design and execute data solutions to provide insightful analysis on all existing portfolios and new initiatives. Focus on Credit Card new account adjudication strategy for both pre-approved and non pre-approved with balanced risk and reward tradeoffs that maximize the revenue while minimize the loss with data driven analytics. Work closely with technology partners on implementation of strategy/changes in the adjudication system. Ensure successful implementation through detailed validation and tracking. Conduct post-implementation reviews on strategies to measure results against expectation. Provide objective and sound feedback to help improve the effectiveness of future strategy actions. Develop a working knowledge of Credit Card risk management policies, standards and guidelines to enable the completion of various analytical assignments. Handle ad-hoc requests on the secured and unsecured personal lending portfolios as required
• Insights - Design, schedule and run queries which provide insights into the performance of the assigned portfolios. Undertake analytics in support of driving deeper insights into the performance of various segments of the Credit Card portfolio to improve strategy design. Assist with designing and building new tracking and reporting capabilities to evaluate the performance of Credit Card portfolio segments or past strategy actions; this includes vintage-based performance tracking as well as approval rate trend and portfolio risk quality tracking.
• Discussions - Represent Retail Risk Management in technical discussions with other Business Partners and Vendors on the transfer of data between parties.
• Data - Recommend alternative approaches to achieve business objectives based on data analysis and knowledge of various sources of data.  Build strong understand towards data and help to validate during system migration.
• Collaborate - Work professionally with Colleagues and Business Partners to attain business objectives. Participate in risk management or cross-functional team initiatives as required

 

Who you are

• You can demonstrate experience. In retail credit risk management and/or data analytics focused roles. Experience in data mining, data manipulation, and data analysis. Experience with SAS and Excel used to perform data driven analytics.
• You have a degree/diploma. In Business, Finance, MBA or equivalent, education background in quantitative background such as Math, Statistics, Computer Science or Engineering a definite asset.
• You give meaning to data. You enjoy investigating complex problems and making sense of information. You communicate detailed information in a meaningful way.
• You love to learn. You're passionate about growing your knowledge, and you know that there is no limit to what you can achieve.
• You're motivated by collective success. You know that teamwork can transform a good idea into a great one. You know that an inclusive team that enjoys working together can bring a vision to life.
• You're passionate about people. You find meaning in relationships and surround yourself with a diverse network of partners. You connect with others through respect and authenticity.
• Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential.

• We work to recognize you in meaningful, personalized ways including a competitive compensation, a banking benefit*, wellbeing support and additional offers such as employee and family assistance programs and MomentMakers, our social, points-based recognition program.

• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

*Subject to program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact [email protected]

• CIBC is committed to clarity in our hiring process. All roles posted are opportunities we’re actively recruiting for, unless stated otherwise.

• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit

• We may ask you to complete an attribute-based assessment and other skills test (such as simulation, coding, French proficiency).

• We use artificial intelligence tools during the recruitment process. Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Expected End Date

2027-10-29

Job Location

Toronto-81 Bay, 31st Floor

Employment Type

Temporary (Fixed Term)

Weekly Hours

37.5

Skills

Analytical Thinking, Business Requirements, Communication, Data Integration, Data Quality, Deliverables Management, Prioritization, Quality Improvement, Risk Analytics, Test Planning