What is the opportunity?

As Associate Director, Credit Risk & Portfolio Management, you will report to the Senior Director, Credit Risk & Portfolio Management. The Associate Director is responsible for performing analyses, identifying trends, providing insights, and making recommendations to management on topics of concern and opportunity related to consumer credit risk at RBC Bank, a U.S.-based subsidiary of the Royal Bank of Canada, specializing in cross-border banking for Canadians.

This role is the lead position on the Credit Access Line portfolio, a new and fast-growing securities-based lending product for the bank.

What will you do?

• Lead deep dive analytics and provide early warning indicators to facilitate recommendations for areas of concern to highlight to executives.
• Develop or enhance ongoing credit risk dashboards and routines that provide transparency on the RBC Bank retail portfolio. Examples include loss forecasting, policy exception reporting and performance tracking.
• Increase the quality and efficiency of analyses, dashboards and processes through automation, scheduling and the use of new data, tools and analytical techniques, leveraging AI as appropriate.
• Lead preparation of executive level presentations and analyses, working closely with partners in Risk Management, Finance and/or the lines of business as needed.
• Support Credit Risk & Portfolio Management initiatives, analytics, and ad hoc requests as required.

What do you need to succeed?

Must-have

• Undergraduate degree in Mathematics, Statistics, Economics, Computer Science or other quantitative field of study
• 5+ years related work experience with SQL, python, SAS or equivalent programming experience, and proficiency in Microsoft Excel and PowerPoint
• Proven analytical skills
• Ability to be effective and equally conversant in business and technical environment
• Creative thinker to solve complex problems
• Excellent interpersonal and communication skills (oral and written)
• Strong understanding of consumer behavior and credit risk
• Proven ability to connect process, policy, system, and data together and establish impact when any of the above changes
• Collaborative and supportive attitude

Nice-to-have

• Master’s degree in a quantitative discipline
• Experience in risk management and/or in the financial services industry
• Knowledge of Teradata, python, SAS and/or Tableau
• Knowledge of personal credit products

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including competitive compensation, bonuses, and flexible benefits
• Continued opportunities for career advancement
• World-class sales training, coaching, and development opportunities
• Support from a dynamic, collaborative, progressive, and high performing team, as well as world-class tools and training
• Opportunity to achieve great success and grow your career with RBC

Job Skills

Business Process Design, Critical Thinking, Derivatives, Economic Analysis, Financial Instruments, Financial Statement Analysis, Fraud Risk Management, Investment Performance Measurement, Investment Risk Management, Risk Control

Additional Job Details

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTOTorontoCanada37.5Full timeGROUP RISK MANAGEMENTRegularSalaried2026-02-232026-03-08

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.