Job Description

Requisition ID 250238

Tangerine is Canada’s leading direct bank. We offer flexible and accessible banking options, innovative products, and award-winning Client service. The reason why Tangerine employees come to work each day is to help Canadians live better lives. We focus on making a difference in our communities, and that includes our own internal community. It’s important to us that our employees feel empowered and enthusiastic about belonging to our Orange culture.

As Canada’s leading digital bank, Tangerine technology is at the heart of everything we do. We have redefined what digital banking is, and we continue to evolve to tackle any opportunity and face every challenge through progressive technology and the power of collaboration.

Do you like new challenges? Are you ready to reach new heights in your career and become part of an established disruptor? If so, come join us and help redefine the Canadian banking landscape!

The AI and Data Science team will contribute to enabling a data-driven decision-making culture across all lines of business through application of predictive and prescriptive analytics.

The AI and Data Science team within Tangerine Analytics supports the revenue and volume growth for each of the product business line (including lending products such as Mortgages, Lines of Credit, Credit Cards, Loans and Deposits such as Savings Accounts and GICs) through providing advanced analytical solutions, and influences Tangerine’s strategic decisions on customer targeting and pricing (rates / fees) initiatives.

What you will be doing:

As the Manager, AI & Data Science, you will be responsible for the design and development of a suite of mathematical, statistical and predictive models to price, acquire, grow and retain Tangerine customers. These models are used by business lines to optimize our value propositions and grow customer value. You will also identify new data acquisition opportunities, and monitor/manage the performance of the existing suit of models through their lifecycle.

Is this role right for you? In this role, you will:

• Design and build optimization and predictive models, such as: product pricing models, product usage models, product and customer acquisition/attrition models, and customer/product future value modelling. Ensure that the Bank's investment in statistical models is maintained through the development of model performance tracking systems.
• Support product initiatives by identifying and building new models to support pricing analytics. Ensure that campaign and origination processes appropriately leverage the existing models and identify opportunities to develop new models where necessary. 
• Expand the Bank's competency in AI/ML practice by identifying industry best practices and staying current on emerging trends in the field. Develop a framework, processes and procedures to ensure that model development is efficient and conducted in a timely fashion.
• Identify data gaps with respect to predicting customer behavior within the overall data environment and support projects to acquire such information.
• Collaborate and ensure pricing alignment with Tangerine’s Product Economics team.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

Education/Experience

• You have an analytical background (Applied Math, Statistics, Physics, Engineering, and Computer Science). A Masters or PhD in a STEM or STEM-related discipline would be beneficial.
• You have strong theoretical knowledge and practical understanding of statistical analysis and data science and experience with machine learning algorithms

Technical Skills

• Experience with programming languages such as Python and SQL (Java or other programming languages would also be an asset).
• Strong knowledge of Machine learning and statistical learning algorithms.
• Familiarity with cloud compute environments and DevOps practices.
• Excellent analytical skills. Must be able to interpret and consolidate large amounts of information in actionable recommendations. Uses sound judgment in the creation of the work plan, analysis, validation, interpretation and presentation of findings.
• Excellent knowledge of statistical model development, such as acquisition and usage models, time series analysis.
• Experience cleaning, managing and visualizing data (structured and unstructured)
• Excellent communication skills. Must be able to translate complex technical information to non-technical audience
• Strong knowledge of financial services products and features. Working knowledge of retail banking product profitability and credit risk.

What's in it for you?

• You will be part of a diverse and inclusive team of Client-focused go-getters looking to learn from each other in an environment that celebrates and recognizes success!
• You will have access to thousands of online and in person courses so you can shape your career growth with the support from diverse industry leaders.
• You will get our help to save for your future and to invest in your total wellbeing through our Tangerine benefits*.
• You belong here, we are equal and un-complicated. Bring your true self to work, dress codes don’t apply here.
• You will enjoy workspace flexibility and all the excitement that comes from working at the official Bank of the Toronto Raptors.

*Tangerine employees participate in Scotiabank’s pension & benefits programs (available to permanent employees)

Location(s): Canada : Ontario : Toronto || Canada : New Brunswick : Moncton

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.