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Credit Strategy Analyst
Haventree Bank
Calgary, CAN
Full Time
Mid
1 weeks ago
SQLPythonRTableauAlteryxExcel
Free
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About the Role
Haventree Bank seeks a Credit Strategy Analyst to design and optimize automated credit decisioning strategies. The role involves developing rule-based and scorecard-driven strategies, monitoring performance, and collaborating with cross-functional teams.
Key Skills for This Role
SQLPythonRTableauAlteryxExcel
Responsibilities
- Design, implement, and refine auto adjudication strategies to improve credit decision speed and accuracy
- Develop and manage rule based and scorecard driven strategies for automated credit approvals and declines
- Evaluate auto adjudication performance metrics and identify opportunities to increase approval rates while mitigating risks
- Partner with technology teams to test and deploy strategy updates in credit decisioning systems
- Monitor performance of automated decision systems and recommend improvements
- Provide actionable insights to senior management on credit risk, operational efficiency, and strategic opportunities
- Maintain and update dashboards to monitor adjudication rates, approval/decline trends, and portfolio KPIs
- Leverage predictive analytics and machine learning to improve credit decision accuracy and efficiency
- Stay updated on industry trends, competitor strategies, and market conditions affecting credit risk
- Conduct benchmarking studies to ensure the bank remains competitive in pricing, terms and risk appetite
- Work closely with origination, product and technology teams to align credit strategies with business goals
- Provide data driven insights to enhance decision making consistency and reduce turnaround times
Requirements
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related field
- 3 5 years of experience in credit risk, decisioning systems, or strategy development within a financial institution
- Hands on experience with auto adjudication systems and credit decisioning platforms
- Expertise in credit decisioning tools and data analysis platforms (SQL, Python, R, Tableau, Alteryx, Excel)
- Strong understanding of credit scoring models, decline strategies, and risk management frameworks
- Analytical mindset with ability to translate complex data into actionable strategies
- Exceptional problem solving, communication, and stakeholder management skills
- Master's degree preferred
Full Job Posting
About Haventree Bank
- Haventree Bank is a private Canadian Schedule 1 bank specializing in alternative mortgage programs and insured GIC deposits.
- Headquartered in Toronto, Ontario, Haventree Bank is a mission driven alternative mortgage lender.
Position Summary
- Reporting to the Senior Credit Risk Manager, the Credit Strategy Analyst plays a crucial role in designing and optimizing automated credit decisioning strategies.
- The role collaborates with the manual underwriting function to identify efficiencies and ensure robust risk management practices.
- Leverage advanced analytical tools to develop and refine credit policies and processes, balancing customer experience, operational efficiency, and portfolio performance.
Major Duties & Responsibilities
- Design, implement, and refine auto adjudication strategies to improve credit decision speed and accuracy.
- Develop and manage rule based and scorecard driven strategies for automated credit approvals and declines.
- Evaluate auto adjudication performance metrics and identify opportunities to increase approval rates while mitigating risks.
- Partner with technology teams to test and deploy strategy updates in credit decisioning systems.
- Test and refine decision rules to ensure they align with business objectives and risk tolerance.
- Monitor the performance of automated decision systems and recommend improvements.
- Provide actionable insights to senior management on credit risk, operational efficiency, and strategic opportunities.
- Maintain and update dashboards to monitor adjudication rates, approval/decline trends, and portfolio KPIs.
- Leverage predictive analytics and machine learning to improve credit decision accuracy and efficiency.
- Stay updated on industry trends, competitor strategies, and market conditions affecting credit risk.
- Conduct benchmarking studies to ensure the bank remains competitive in pricing, terms and risk appetite.
- Work closely with origination, product and technology teams to align credit strategies with business goals and to identify inefficiencies and streamline workflows.
Qualifications & Experience
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Science, or related field. Master's degree preferred.
- 3 5 years of experience in credit risk, decisioning systems, or strategy development within a financial institution.
- Hands on experience with auto adjudication systems and credit decisioning platforms is essential.
- Expertise in credit decisioning tools and data analysis platforms (SQL, Python, R, Tableau, Alteryx, Excel).
- Strong understanding of credit scoring models, decline strategies, and risk management frameworks.
- Analytical mindset with the ability to translate complex data into actionable strategies.
- Exceptional problem solving, communication, and stakeholder management skills.
- Proven ability to manage competing priorities in a fast paced environment.
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