Director, Unsecured Acquisition Strategies

Application Deadline

09/04/2026

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 Director, Unsecured Acquisition Strategies leads the design, development, and execution of advanced credit acquisition across the full suite of Personal Banking lending products. This role is accountable for driving high‑quality credit growth, elevating client experience, and strengthening portfolio resilience through next generation decisioning, adjudication excellence, and data‑driven strategy design.

Leveraging state‑of‑the‑art decision‑tree technology, machine‑learning enabled models, and optimization platforms, the Director shapes how lending decisions are made across multiple Banking channels, including digital, branch and relationship management. Acting as both a strategic leader and hands‑on practitioner, this role sets strategy across the full lending lifecycle from acquisition and adjudication through exposure management, behavioural segmentation, early‑warning interventions, and ongoing client management.

As a designated model user, the Director provides critical direction on the use of risk models, scores, and analytical signals that differentiate business credit risk. They partner closely with model development, credit adjudication, and channel leadership to ensure strategies are effective, well‑governed, and aligned to Personal Banking’s risk appetite and growth objectives.

Key Responsibilities

Strategy Design & Optimization

• Build and optimize end‑to‑end unsecured lending acquisition strategies using advanced decision‑tree and optimization platforms.
• Align interventions to growth, profitability, risk appetite, and client experience objectives.
• Ensure adjudication strategies consistently support fair, efficient, and scalable lending decisions.

Adjudication Leadership Across Channels

• Lead the design and calibration of adjudication strategies deployed across all Banking channels, including digital decisioning, branch and advisor‑led lending, centralized underwriting, and specialized credit teams.
• Ensure consistency,...