Overview

Application Deadline: 07/08/2026 Address: 33 Dundas Street West Job Family Group:Audit, Risk & Compliance Join a pioneering team shaping the future of Canadian Retail Credit Strategies. We're building next-generation, end-to-end credit solutions that span the entire lifecycle-from acquisition and account management to collections-anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities. Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment. If you're passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you. The Manager, Real Estate Secured Lending Acquisition supports the development, enhancement, and execution of acquisition strategies that drive high quality growth across the Real Estate Secured Lending (RESL) portfolio. This role combines hands on analytical work, credit judgment, and cross functional collaboration to strengthen underwriting effectiveness, improve customer experience, and maintain growth within the bank's risk appetite. Working closely with Product, Risk, Analytics, Technology, and Operations partners, the Manager helps translate credit and collateral insights into executable strategy components, contributes to decision logic development, monitors performance of new originations, and supports continuous improvement of acquisition tools, models, and processes. Key Responsibilities Acquisition Strategy Support & Execution Contribute to the design and implementation of end to end acquisition strategies, including underwriting criteria, pricing logic, risk segmentation, treatment rules, and automation pathways. Assist in building and refining decision engine logic (decision trees, rule sets, optimization parameters) to differentiate risk and streamline approval to funding workflows. Support strategy enhancements that consider emerging trends such as interest rate shifts, housing market dynamics, competitor actions, regulatory updates, and customer demand patterns. Credit & Collateral Risk Integration Apply secured lending risk tools-including credit scores, automated valuation models (AVMs), collateral risk tiers, and early warning indicators-into acquisition decision paths under guidance from senior strategy leaders. Evaluate borrower and collateral risk trade offs to ensure strategies maintain alignment with credit policy, housing market conditions, and portfolio objectives. Analytical Insights & Optimization Conduct analyses to identify opportunities to improve risk differentiation, funnel efficiency, pricing effectiveness, and booking quality. Support development of enhanced segmentation approaches, underwriting logic improvements, and automation opportunities that improve approval quality and customer experience. Prepare analytical summaries and recommendations to support strategy refresh cycles. Champion-Challenger Testing Support structured test and learn initiatives for alternative offers, underwriting pathways, automation logic, documentation requirements, and referral triggers. Measure impacts on approval rates, booked yield, funding quality, customer experience, and early performance of new originations. Document test design, tracking, results, and recommendations for scale up. Technology, Deployment & Operational Partnership Partner with Technology and Analytics teams to convert strategy designs into deployable decision rules, ensuring accuracy, feasibility, and alignment with governance standards. Participate in system testing (UAT), validation, and change management activities to ensure strategy changes deploy smoothly. Supp