Title:  Manager, Credit Risk Analytics

Requisition ID: 259864

Tangerine is Canada’s leading direct bank. We offer flexible and accessible banking options, innovative products, and award-winning Client service. The reason why Tangerine employees come to work each day is to help Canadians live better lives. We focus on making a difference in our communities, and that includes our own internal community. It’s important to us that our employees feel empowered and enthusiastic about belonging to our Orange culture.

Business Line: Global Risk Management – Credit Risk Business Analytics 

Job Purpose:

• The Risk Management mandate is to provide oversight, monitoring and reporting of all operational, credit and market risks, including fraud exposures on an enterprise-wide basis.
• The Manager, Risk Analytics, is accountable for monitoring the various credit portfolios at Tangerine to ensure we are staying within risk appetite. The Manager will report to the Senior Manager on Credit Strategic Initiatives and Portfolio Oversight. Accordingly the role requires strong data programming skills including SQL, SAS, Tableau, VBA, Python and/or R.
• Primary elements include, ownership of the deck for the monthly Local Risk Credit Committee, creation and automation of new reports to enhance the oversight of the portfolio such as early warning reporting, ownership of the credit risk roadmap. The role partners closely with Credit Risk, Product, Finance, Technology, and Compliance teams to translate complex data into actionable insights that inform lending decisions across the customer lifecycle.

• This role combines advanced analytics and business acumen to improve credit outcomes, optimize risk‑return trade‑offs, and ensure strong risk governance.

Is this role right for you? In this role, you will:

• Monitor portfolio performance across key credit risk metrics including approval rates, early delinquency, vintage performance, and exception trends.
• Develop, maintain, and enhance regular portfolio monitoring reports and dashboards for management and senior leadership.
• Identify emerging risks, performance deterioration, or unusual trends and escalate insights with clear, data‑driven commentary.
• Produce ad‑hoc analyses and deep dives to support management reviews, governance forums, and regulatory requests.
• Develop a reporting framework to ensure continued portfolio health moving forward
• Manage portfolio loss results to acceptable levels, while supporting business profitability objectives, regulatory requirements and Tangerine’s client centric business mission.
• Provide coaching and mentoring to foster a strong risk discipline environment. Collaborate with Acquisition risk and Operations risk teams to ensure compliance with regulatory requirements.
• Support the development and implementation of credit risk and loss mitigation plans and provide insight to business leaders through ad hoc requests, projects and initiatives.
• Bring a sense of urgency in driving initiatives through to the finish line Responsible for understanding and complying with the Regulatory Compliance Framework including the Anti-Money Laundering/Anti-Terrorist Financing and Sanctions Policy and all AML related policies, procedures and controls within the department. Other duties as assigned.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

• University Degree in business or equivalent Minimum 4 years of financial services experience, with particular focus and emphasis on Credit Risk, operational function support, system and project implementation and vendor management.
• Proven expertise in the establishment of procedure structure, policies and/or programs within a business or function.
• Strong capability to work with business leaders, Strong ability to collaborate with cross functional teams and in high pressure environment.
• Strong presentation and “story-telling” skills. Aptitude for innovation and readiness to “roll up sleeves” and do what is necessary to deliver on business objectives.
• Strong verbal and written communication skills, Excellent attention to detail, Strong change management and people development skills.

What’s in it for you?

• An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
• We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one! Your career matters! You will have access to career development and progression opportunities.

Location(s):  Canada : Ontario : Toronto

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.