Senior Manager, Origination Lending Risk Strategies

At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking, tackling every challenge head‑on with leading technology and the unstoppable power of collaboration.

Our client‑obsessed teams deliver flexible, accessible banking solutions, breakthrough products, and award‑winning service. Beyond banking, we’re committed to making an impact in the communities we serve and across our organization. We foster a culture built on integrity, inclusion, and fearless ambition – where diverse perspectives are valued, and people are empowered to do their best work.

The mandate of this role is to lead the development of credit risk strategies, policies and procedures for new originations of unsecured lending products (credit cards, unsecured line of credit, overdrafts, etc.) to optimise risk/return for Tangerine in Global Risk Management.

• Develop and implement credit risk strategies, policies and procedures for unsecured lending portfolios using analytics, empirical decision models and competitive analysis.
• Ensure all credit risk strategies, models and policy changes comply with internal model risk management standards, validation requirements and applicable regulatory guidelines (e.g., OSFI expectations).
• Leverage champion/challenger capabilities and incorporate credit bureau, third‑party data and non‑traditional sources to innovate continuous improvements to existing strategies.
• Independently conduct analysis, including data query and manipulation using advanced tools, translate numbers into actionable insights and deliver business intelligence with effective data storytelling techniques.
• Conduct analysis to identify changes in credit quality, exceptions, client behaviour and performance trends; develop and track early‑warning indicators to identify population shifts.
• Examine the nature and depth of client relationships across lending and non‑lending products to strengthen client profiling tools and segmentation analysis.
• Monitor, assess and evaluate existing risk strategies to identify opportunities, system/process deficiencies and recommend changes to ensure the bank does not take on more credit risk than planned; include a forward‑looking assessment to remain within risk appetite.
• Demonstrate initiative to automate and simplify tasks; set risk thresholds to measure and control risks using technical or analytical skills.
• Promote best practices, leverage appropriate analytical tools and provide governance to all strategy development, deployment and policy enhancements.

• Participate in projects for credit cards and unsecured lending programs, reviewing business cases, risk proposals, requirements documents, etc.
• Be a change agent and proactively identify areas where new or enhanced policies or procedures need implementation to improve productivity and performance within risk appetite.
• Use superb communication skills to liaison with appropriate groups throughout the bank, across all stages of the credit lifecycle and among various levels of leadership.
• Prepare for and host credit risk strategic meetings, derisking initiatives, portfolio review meetings and other related engagements.
• Maintain a current, in‑depth knowledge of the bank’s operating procedures and systems relevant to assigned products by delivery channel or centralised unit (e.g., digital, call centre).
• Demonstrate initiative to automate and simplify tasks to set risk thresholds to measure and control risks using technical or analytical skills.
• Conduct other activities at the request of Unsecured Lending’s leadership.

• A minimum of five years with a financial institution in the risk/portfolio management field, with rigorous logical thinking and solid understanding of credit principles; prior experience in unsecured lending is strongly preferred.
• Strong hands‑on knowledge in the use of SAS, SQL or similar statistical software, including advanced statistical techniques to extract, analyse and manage data; ability to translate data into actionable insights using strong data‑storytelling…