Data Scientist

Lead machine learning projects that drive origination, credit limit and collection strategies including managing delivery timelines and coordinating team resources

Own the full cycle scorecard design and development from initial planning and data sourcing to data modeling and validation

Deploy new models, implement updates, track data transfers, oversee scoring activities, and manage reports, addressing system or procedural issues as they arise

Regularly review and document the predictive effectiveness of various statistical models and recommend the appropriate course of action

Create customer segmentation schemes that provide strategy teams with key customer insights

Collaborate closely with internal customers, retail-side partners and subject matter experts to understand data, interpret results, translate business needs and synthesize solutions

Deliver effective presentations of key design elements and model build results to senior management

Work on related tasks and ad-hoc activities to support business objectives

• Lead machine learning projects that drive origination, credit limit and collection strategies including managing delivery timelines and coordinating team resources
• Own the full cycle scorecard design and development from initial planning and data sourcing to data modeling and validation
• Deploy new models, implement updates, track data transfers, oversee scoring activities, and manage reports, addressing system or procedural issues as they arise
• Regularly review and document the predictive effectiveness of various statistical models and recommend the appropriate course of action
• Create customer segmentation schemes that provide strategy teams with key customer insights
• Collaborate closely with internal customers, retail-side partners and subject matter experts to understand data, interpret results, translate business needs and synthesize solutions
• Deliver effective presentations of key design elements and model build results to senior management
• Work on related tasks and ad-hoc activities to support business objectives

• University degree in STEM or data science. Postgraduate degree in mathematics, statistics, data science or similar disciplines is preferred
• Three plus years of professional experience focused on developing predictive scorecards and building ML models from real-world data. Work in credit risk management or the credit card industry is an asset
• Solid understanding of machine learning steps and modeling metrics is a must
• Proficient in SQL, Python and, ideally, SAS programming language
• Experience with machine learning libraries like Pandas, XGBoost, scikit-learn, LightGBM or other similar ecosystems
• Hands-on exposure to modeling platforms like Enterprise Miner, Analytics Workbench or SPSS Modeler is a plus
• Comfortable with cloud-based data structures and tools like Azure, AWS and Databricks is a plus
• Background in manipulating large relational databases with detailed and granular information

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

• Comprehensive benefits and retirement programs
• Performance incentives, Continuing Education Programs
• Other perks to support your well-being
• Career growth opportunities and product discounts

Broadband Salary Range: $53,000 - $88,000.

Our typical hiring range is between $53,000 and $70,000. Salary decisions are also dependent on other factors such as your experience, industry benchmarks, internal equity and other role-specific requirements. For critical roles, the compensation offering will be reviewed to ensure alignment with market rate and conditions and the unique value you bring to the role.

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.

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…