Senior Flood Modeler at Tokio Marine HCC utilizing technical expertise in catastrophe risk modeling. Joining a bright team to lead research and development in risk modeling and analytics.
About the role
- Sr. Manager developing channel risk management and credit risk strategies for fintech Financeit. Collaborating across teams to optimize profitability while managing risk in a hybrid role.
Responsibilities
- Develop a company framework for managing channel risk, individual merchant risk, commercial product (multi-stage financing) risk, and concentration (ex. sub-vertical, geography, macroeconomic, etc.) risk.
- Build, deploy, maintain, continuously improve profit-optimising channel and merchant-level underwriting strategies, decisioning criteria, scores & controls.
- Support the development and continuous improvement of profit-optimising indirect consumer credit policies, strategies and tests for the home improvement and vehicle industries by ensuring that commercial counterparty exposure and channel effects are taken into consideration.
- Obtain internal alignment on, and deploy risk policies that are compliant with the organisation’s risk appetite and review, and/or escalate, approve / decline requests outside of established guidelines.
- Monitor strategy performance in a timeline manner, develop and execute backtesting, and help guide reporting and trigger requirements – working collaboratively with cross-functional stakeholders as required - to ensure that policies, strategies, and scores are effective and high-performing.
- Conduct regular financial and risk reviews of merchants and loan quality audits, and recommend changes to policies and procedures based on identified process gaps while ensuring corrective action is taken.
- Contribute to the continuous improvement of team efficiency and effectiveness by identifying high quality / well-managed data sources and opportunities for the team to apply AI and automation to key processes, reports and documentation.
- Go beyond the basics and dig deep into trends, anomalies and analytic findings to link them to actual real-world events, macroeconomic events, industry developments, and/or individual merchant / customer attitudes and behaviours to draw meaningful conclusions and insights that can improve ongoing business outcomes.
- Work with cross-functional partners to understand and incorporate their ideas and objectives into risk strategies.
- Contribute to strategic projects and initiatives related to risk management and company growth.
- Bring energy, positivity, and a team-first attitude every day, while striving to make the team and yourself better.
Requirements
- University degree in Engineering, Math, Computer Science, Applied Math / Sciences, Commerce, Finance, Accounting, or other quantitative discipline.
- 5-7 years of full-time and/or internship/PEY experience in B2B (small business / commercial) and/or B2B2C (indirect channel) strategy, analytics, data science, credit and/or fraud risk management, or finance role with a significant focus on BOTH qualitative (ex. expert judgment / manual underwriting) and quantitative (statistical scorecard development) approaches.
- 3+ years of applied experience conducting complex B2B (small business and/or commercial) risk assessments, financial statement analysis, indirect lending / consumer credit risk, or business analysis at a financial institution, a strong asset.
- 3+ years of applied experience in building both quantitative and qualitative strategic plans, policies, and business models.
- 3+ years of experience creating senior management-ready communications and presentations with Excel, PowerPoint & Word (or their Google equivalents).
- Advanced skills in data manipulation and statistical modeling, with proficiency in Python, SQL, Excel, and/or BI tools (Looker, Tableau, PowerBI).
- Strong strategic thinking, judgment, communication (verbal, visual, and written), with advanced problem-solving and analytical skills.
- Legitimately curious and passionate about finding the “right answer,” with a detail-oriented mindset and a “healthy sense of paranoia” about quality.
- Highly organized and driven, with the ability to manage competing priorities while meeting deadlines.
- Balanced sense of pride and humility, thriving in a collaborative environment and bringing energy and enthusiasm to team culture. We like to have fun; seriously, we do.
Benefits
- An award-winning culture with a collaborative & inclusive team.
- Competitive pay and performance-based bonus.
- Base salary: $110,000 - $125,000
- Annual bonus: 20%
- Committed to flexible work arrangements, offering hybrid workplace options.
- Comprehensive medical, dental and vision coverage + Lifestyle Account.
- RRSP Matching and Parental Leave Top UP Program.
- In office massage & workout sessions.
- Virtual events such as Lunch & Learns, company parties, fun team activities and charity initiatives.
- Career learning and development programs.
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