Credit Risk Data Scientist Student - (4 Months) - Winter 2027

Our Commitment to Students

At Canadian Tire, we are committed to providing students with a supportive and collaborative environment that fosters knowledge sharing and offers key experiences to help them develop their capabilities through projects and objectives. We believe in setting specific and measurable goals that align with our business objectives to support learning and help students achieve their full potential. Our culture emphasizes learning from others, continuous improvement, agility, growth, and innovation, and we are invested in building a talented, diverse workforce for the future of Canada and Canadian Tire. Additionally, we are dedicated to building strong relationships with our student employees by engaging with them throughout their education and career pursuits and creating opportunities for ongoing communication and relationship building.

What you’ll do:

The Credit Risk Data Analyst Student reports to the Manager of Modeling & Segmentation Analytics within our Credit Risk Division. The mandate of the Credit Risk Management Division of Canadian Tire Bank is to build familiarity with our credit card customers to strengthen the customer relationship with Canadian Tire Corporation. This Division is responsible for the design and execution of credit risk strategic decisions, the development and execution of machine-learning models that help predict customer behaviour, providing 
actionable customer intelligence to maximize our credit card portfolio profitability.

• Help develop predictive models that will form the basis of information-driven strategies executed within Credit Risk which includes credit limit assignment, marketing promotions, collections and new account adjudication.

• Help design and implement robust model deployment techniques, as well as performance metric tracking.

• Participate in development of new predictive models to support the business, including preliminary analyses of available data and advising on feasibility/impact.

• Predictive model validation and evaluation through development of objective specific metrics.

• Develop and maintain expertise with lending, credit scoring, behaviour scoring, portfolio management, direct marketing, data mining, and industry trends.

• Ad-Hoc analytical requests as needed

What you’ve done:

• Currently enrolled in a post-secondary program in Mathematics, Statistics, Computer Science, or a related discipline

• Demonstrated superior analytical, mathematical, and problem-solving skills

• Knowledge of statistics and statistical models

• Self-driven development of technical skills through projects or hackathons

• Programming experience in Python/SAS/R

• Working knowledge of Python’s data-manipulation libraries (ex. pandas, numpy)

• Proven experience using MS Office Suite (Excel/Word/PowerPoint)

• Excellent attention to detail

• Exceptional communication skills with the confidence and passion to share knowledge

• Creative thinker who is observant to seek new opportunities and perceptive to abstract ideas

• Goal driven individual to seek out continuous improvement opportunities

We’re always looking for great talent! In addition to competitive pay, we offer:

• Career growth opportunities and product discounts

Broadband Salary Range: $23.00– $37.00.

Our typical hiring range is between $23.00 and $30.00 CAD Hourly. Salary decisions are also dependent on other factors such as your experience, job-related knowledge, skills and competencies, market location, industry benchmarks, internal equity and other role-specific requirements.

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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.

About Us

At Canadian Tire Services Limited/Canadian Tire Bank, it is our mandate to continue to create innovative and rewarding financial solutions for our customers. Our growing suite of products and services showcase the dynamic contributions from our employees and our success is driven by a strong vision, loyal customers, and our ability to build teams that reflect the diverse customers and communities in which we live and work. Join us, where there's a place for you here.

Our Commitment to Diversity, Inclusion and Belonging 

We are committed to fostering an environment where belonging thrives, and diversity, inclusion and equity are infused into everything we do. We believe in building an organizational culture where people are consistently treated with dignity while respecting individual religion, nationality, gender, race, age, perceived ability, spoken language, sexual orientation, and identification. We are united in our purpose of being here to help make life in Canada better. .

Accommodations  

We stand firm in our Core Value that inclusion is a must. We welcome and encourage candidates from equity-seeking groups such as people who identify as racialized, Indigenous, 2SLGBTQIA+, women, people with disabilities, and beyond. Should you require any accommodation in applying for this role, or throughout the interview process, please make them known when contacted and we will work with you to help meet your needs.