Senior Manager, Real Estate Secured Lending Acquisition

Job Description

Application Deadline: 05/31/2026 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 Senior Manager, Real Estate Secured Lending Acquisition plays a pivotal role in designing, optimizing, and executing acquisition strategies that drive high‑quality growth across the Real Estate Secured Lending portfolio. This role blends strategic thinking with deep credit expertise and analytical execution to deliver sustainable originations, superior customer experience, and portfolio resilience within the organization’s risk appetite. In partnership with stakeholders across Product and Risk, the Senior Manager develops scalable, automated strategies anchored in segmentation, model‑enabled decisioning, collateral valuation tools, and market insights. This role ensures acquisition strategy evolves with customer behaviour, competitive dynamics, housing market conditions, and regulatory expectations. Key Responsibilities Acquisition Strategy Development & Execution Design and implement end‑to‑end acquisition strategies for secured lending, including underwriting criteria, pricing strategies, risk segmentation, treatment paths, and automation logic. Use decision engines, decision trees, and optimization tools to differentiate risk and streamline the approval and funding experience. Implement strategies that adapt to shifts in interest rates, housing markets, competitor behaviour, and customer demand. Credit & Collateral Risk Integration Apply secured‑lending models—including credit scores, property valuation models (AVMs), collateral risk tiers, and early warning indicators—within acquisition strategy logic. Ensure strategies appropriately balance borrower risk, collateral risk, and portfolio objectives. Analytical Insights & Optimization Identify opportunities for analytical enhancements, new segmentation methodologies, improved underwriting efficiency, and optimized customer pathways. Use data‑driven insights to refine risk differentiation, pricing sophistication, and funnel performance (approval → funding). Champion–Challenger Testing Lead structured test‑and‑learn

Required Skills