Story Behind the Need

• Business group: Global Retail Provisions – Provisions Retail reporting and data for Client.
• Project: Business line is working on different projects provision related where the resource will be deployed with some deliverables. Contributes to the overall success of the Retail Credit Provisions in International Banking ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

Candidate Value Proposition:

• This candidate has the opportunity to not only work with a top 5 Canadian bank
• We have an inclusive and collaborative working environment that encourages creativity and curiosity and celebrates success!
• We provide you with the tools and technology needed to create meaningful customer experiences
• You’ll get to work with and learn from diverse industry leaders, who have hailed from top technology companies around the world
• We hire you for your talent not just a job so you can grow with us. We’ll equip you for success not only in your role, but also in your career as a whole

Daily responsibilities:

• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Assists the divisional credit provisioning and portfolio evaluation process, ensuring ongoing adequacy of the international credit reserves.
• Assists in the provisioning methodology (IFRS9) by validating information, running models, and ensuring the results obtained are as expected.
• Ensures accuracy, integrity, validity and completeness of the information and models used for provision assessment under the IFRS 9 methodology.
• Contributes to the internal and external audit process, including SOX controls and compliance with external regulations including OSFI and IFRS.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Actively pursues effective and efficient operations of their respective areas in accordance with Client’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
• Champions a high performance environment and contributes to an inclusive work environment.

Must have:

• 1- 4 years of experience in consumer risk analytics such as predictive analytics and data mining reporting.
• 1-4 years of knowledge of SAS, SQL, Excel and database

Nice to have:

• Prior loan loss provision and financial modelling would be an asset.
• A professional designation (such as CFA, CMA or CA) would be considered a plus
• Spanish language is an asset

Soft skill:

• Excellent interpersonal skills to be able to collaborate and work closely with external vendors
• Ability to analyze complex situations and problems and do the necessary research using multiple sources of information to arrive at innovative solutions
• Ability to work as part of a team, as well as work independently or with minimal direction
• Good time management and organizational skills to effectively manage high-scale project
• Good interpersonal and communication skills are essential in dealing with many senior internal and external stakeholders, as well as preparing reports for Executive Management.
• Integrity, high attention to detail, thoroughness and accuracy are critical to ensure quality outputs.
• Solid organizational and time management skills to manage competing activities within short time frames.

Education and Certifications:

• An undergraduate degree in a quantitative subject (Economics/ Accounting/ Finance/ Statistics).

Best vs. Average Candidate

• The ideal candidate is someone with experience in consumer risk analytics such as predictive analytics and data mining reporting within the financial sector. The best candidate speaks Spanish.

Interview:

• 2 rounds:
o 1 round – 30 minutes – video call (Technical & situational questions) with Hiring Manager & Director.
o Team will be assessing both soft skills and technical skills
o 2 round – 30 mins – Video call – validating the first interview and narrowing down in case there are multiple candidates. With Hiring manager, Senior manager, and Director