Manager, Automotive Strategy Enablement

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Requisition
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
The mandate of this role is to support with acquisition credit risk strategies and policy for the Automotive portfolio to optimize risk/return within Global Risk Management to meet Canadian Banking strategic priorities.
In this role, you will be responsible for the following key items
Monitor key performance indicators and leverage insights to develop & implement strategy.
Maintain current and in-depth knowledge of Automotive retail lending policies, strategies, and market trends
Drive digital risk automation through integration of modern digital risk technology and client centric policy design
Continuously leverage new toolsets and techniques in day-to-day responsibilities
The Manager will work in close collaboration with centre of excellence teams, automotive business partners, risk technology, front-line technology teams, compliance teams, and external vendors to ensure credit strategies are implemented accurately and consistent with the Risk Appetite Framework. Candidate will also be expected to drive continuous improvement in technology design, deployment/testing techniques, and best practices in compliance with governing regulations, internal policies and procedures.
Is this role right for you? In this role, you will:
Develop credit risk strategies for Automotive finance portfolio, leveraging a data driven approach to approve credit, set credit limit, and recommend risk adjusted pricing
Ensure successful implementation of strategy changes within the adjudication engine and perform post implementation validation
Ensure the design of development process adheres to regulatory and governance requirements.
Change management & Technology   Drive digital risk automation through integration of modern digital risk technology and client centric policy design  Obtain subject matter experts in risk technology design, deployments, testing, validation processes across the retail footprint, especially using FICO DMP suites of software
Ensure strict adherence to deployment, testing, documentation, and release management processes, and provide effective challenge to key stakeholders where required
Perform post-implementation validation & track performance of digital risk implementation

Continuously leverage new toolsets and techniques in day-to-day responsibilities
Act as a change champion to transform the retail risk implementation model in alignment with ongoing technology migrations.
Portfolio Analytics and Oversight   Use a variety of Business Intelligence analytical and reporting tools (ex. SAS, SQL, Python, Power BI, Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines
Leverage existing portfolio monitoring and reports to drive insights, identify opportunities, and address any at-risk segments
Conduct Post-implementation validation of strategies implemented to ensure accurate implementation and alignment with expected results.
Stay informed of competitive landscape, partnering with the business line to ensure that as risk managers our processes, strategies and policies consider the changing landscape.
Develop and maintain relationships with external business partners (e.g., OEMs, third party vendors, credit bureaus and dealer portals) where required, to support in strategy build, or technology support.
Support Business Line Initiatives/projects   Ensure all business line strategic projects (i.e., new product launches, changes to existing product offerings, new channels, new acquisition framework, changes to approval strategies) are consistent with Risk Appetite Framework. Identify opportunities and make recommendations
Represent Risk's point of view and liaise with the stakeholders (operations, product owners, collections, technology, governance) throughout the organization to listen actively, communicate, and explain risk measures clearly and as appropriate identify, evaluate, and address credit risk that arises from the development, deployment, interpretation, and maintenance of Credit Risk Policy in support of new products/program development, portfolio performance issues, product enhancements, changes to the industry and…