Director & Head, Credit Risk Strategy (Toronto)

About the Role

Reporting to the Vice President, Retail Risk, Unsecured Lending, the Director & Head, Credit Risk Strategy will develop and execute credit risk strategies, policies, and procedures to optimize risk/return for lending products.

Key Responsibilities

• Ensure credit decisions (approval vs. decline, credit limit assignment) are aligned with risk appetite, optimizing risk/return over the long‑term.
• Drive continuous improvement in strategy effectiveness, leveraging champion/challenger capabilities to confirm assumptions and justify changes.
• Serve as an integral partner to business stakeholders, proactively contributing to growth initiatives by leveraging pre‑approvals and limit assignment.
• Monitor portfolio performance, identify trends and underlying drivers, and present insights to credit committees and senior leadership as a trusted advisor.
• Lead a high‑performing team to maintain a proactive and agile app...