Manager, Credit Decisioning Systems

5700 Yonge St, North York, ON M2M 4K2, Canada

Questrade Financial Group (QFG), through its companies – Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real‑estate services, financial services, and more. We use cutting‑edge technology to help Canadians become much more financially successful and secure.

At QFG, we combine human‑centric collaboration with AI‑driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.

Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work‑life balance
• Competitive compensation and benefits packages
• Work‑life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

Flexiti is looking for a Manager of Credit Decisioning Systems who is responsible for the end‑to‑end administration, configuration, and performance of Flexiti’s “Buy Now, Pay Later” automated lending platforms (e.g., Provenir, FICO, Tak Tile, Power Curve or Zest AI). You will lead the technical implementation of credit policies, manage the ingestion of diverse data sources via SQL and APIs, and oversee the deployment and monitoring of machine‑learning models to ensure highly accurate, real‑time lending decisions.

This role supports the Credit Risk Strategy team (Adjudication), in ensuring the effective implementation and continuous monitoring of our risk systems, with a focus on data integrity and system performance.

Strategy Implementation Support: Assist in the design, coding, and testing of credit strategies for various lending products and the full credit lifecycle of customers.

System Integration Support: Support the integration of credit systems with core banking platforms and collaborate with vendors to implement optimal solutions.

Data Analysis & Monitoring: Utilize SQL, Python, Big Query, and Data Bricks extensively to pull data, monitor strategy migrations, and conduct analytics to debug issues and validate updates within the risk systems.

Real‑Time Reporting: Monitor and leverage real‑time reporting mechanisms to ensure correct strategy execution and identify potential issues promptly.

Model & Strategy Maintenance: Assist in implementing, updating, and maintaining credit models and strategies collaborating with Credit Risk Strategy teams to "product ionize" Python/R‑based ML models within the decisioning workflow, ensuring proper mapping of variables.

Testing & Quality Assurance: Participate in the process for user testing changes in strategies and models, ensuring accuracy and functionality.

Continuous Improvement: Identify and suggest enhancements and opportunities for process optimization and cost reduction within risk systems.

System Orchestration: Manage the daily operations of the credit decisioning engine, ensuring 99.9% uptime for real‑time application processing.

Data Pipeline Management: Design and maintain SQL‑based ETL processes to load internal and external data (Bureau, KYC, Alt‑Data) into the decisioning environment as required.

Monitoring & Governance: Establish dashboards to monitor decisioning latency, and "approval/decline" distributions. Ensure all system changes comply with OSFI (Canada).

Vendor Management: Serve as the primary technical point of contact for platform vendors, managing upgrades, API integrations, and troubleshooting.

UAT & Champion/Challenger: Lead User Acceptance Testing (UAT) for all logic changes…