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 (RESL) Account Management supports the design, enhancement, and execution of strategies that strengthen the performance, resilience, and customer experience of the in force RESL portfolio. This role blends strong analytical capabilities with practical strategy execution, helping to drive customer retention, protect credit quality, and support sustainable profitability within the bank's risk appetite. Working closely with Product, Risk, Analytics, and Technology partners, the Manager contributes to the development of scalable lifecycle strategies grounded in segmentation, behavioural insights, collateral risk differentiation, and model enabled decisioning. The role ensures that account management and renewal strategies evolve as customer needs, housing markets, interest rate environments, and regulatory conditions change. Key Responsibilities Lifecycle Strategy Support & Execution Support the design and delivery of post funding account management strategies, including renewals, retention pathways, early warning triggers, behavioural treatments, and exception handling. Execute treatment logic and processes that balance customer experience, retention, profitability, and credit risk integrity across secured lending segments. Apply customer attributes, behavioural signals, and collateral risk insights to help drive more targeted and effective interventions. Renewals Strategy Support Contribute to the development and refinement of renewal strategies that strengthen retention and ensure risk appropriate renewal decisioning. Collaborate with Distribution, Pricing, and Risk to support proactive outreach, early engagement triggers, and renewal decision flows across automated, branch, and adjudication channels. Assist with workflow mapping and improvement to enhance renewal efficiency and customer experience. Model Application & Interpretation Use secured lending models-including behaviour scores, AVMs, collateral risk tiers, and early warning indicators-to inform treatment segmentation and renewal decisions. Support proper interpretation of model outputs and assist in embedding insights into treatment logic and exposure management processes. Analytical Insights & Portfolio Optimization Conduct analyses to identify opportunities for improved segmentation, behavioural triggers, renewal targeting, pricing refinement, and delinquency risk detection. Provide insights on renewal conversion trends, prepayment behaviour, delinquency patterns, and regional housing market variations. Prepare reporting and recommendations to support ongoing strategy improvements. Champion-Challenger Testing Support the execution of test and learn frameworks for renewal treatments, pricing offers, behavioural segmentation, and early warning interventions. Track and report on test performance, assessing impacts on retention, risk outcomes, portfolio yield, and customer experience. Document test designs, learnings, and recommendations for scale up. Te