Job Description

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure.
At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.
Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

What’s in it for you as an employee of Flexiti?
• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment
This job posting is for an existing vacancy
We’re looking for our next Manager, Credit Decisioning Systems. Could it be you?
Flexiti is looking for a Manager of Credit Decisioning Systems is responsible for the end-to-end administration, configuration, and performance of Flexiti’s “Buy Now, Pay Later” automated lending platforms (e.g., Provenir, FICO, TakTile, PowerCurve or Zest AI). You will lead the technical implementation of credit policies, manage the ingestion of diverse data sources via SQL and APIs, and oversee the deployment and monitoring of Machine Learning (ML) models to ensure highly accurate, real-time lending decisions. This role supports the Credit Risk Strategy team (Adjudication), in ensuring the effective implementation and continuous monitoring of our risk systems, with a focus on data integrity and system performance.

Need more details? Keep reading…

In this role, responsibilities include but are not limited to:
• Strategy Implementation Support: Assist in the design, coding, and testing of credit strategies for various lending products and the full credit lifecycle of customers.
• System Integration Support: Support the integration of credit systems with core banking platforms and collaborate with vendors to implement optimal solutions.
• Data Analysis & Monitoring: Utilize SQL, Python, BigQuery, and Data Bricks extensively to pull data, monitor strategy migrations, and conduct analytics to debug issues and validate updates within the risk systems.
• Real-Time Reporting: Monitor and leverage real-time reporting mechanisms to ensure correct strategy execution and identify potential issues promptly.
• Model & Strategy Maintenance: Assist in implementing, updating, and maintaining credit models and strategies collaborating with Credit Risk Strategy teams to "productionize" Python/R-based ML models within the decisioning workflow, ensuring proper mapping of variables.
• Testing & Quality Assurance: Participate in the process for user testing changes in strategies and models, ensuring accuracy and functionality.
• Continuous Improvement: Identify and suggest enhancements and opportunities for process optimization and cost reduction within risk systems.
• System Orchestration: Manage the daily operations of the credit decisioning engine, ensuring 99.9% uptime for real-time application processing.
• Data Pipeline Management: Design and maintain SQL-based ETL processes to load internal and external data (Bureau, KYC, Alt-Data) into the decisioning environment as required.
• Monitoring & Governance: Establish dashboards to monitor decisioning latency, and "approval/decline" distributions. Ensure all system changes comply with OSFI (Canada)..
• Vendor Management: Serve as the primary technical point of contact for platform vendors, managing upgrades, API integrations, and troubleshooting.
• UAT & Champion/Challenger: Lead User Acceptance Testing (UAT) for all logic changes and manage "Champion/Challenger" A/B testing strategies to optimize portfolio performance.

Key Compentencies
• Domain Knowledge: Basic understanding of credit risk concepts, lending products, or fraud-related systems is a plus.
• Decisioning Platforms: Advanced proficiency in at least one major platform (Provenir, FICO Blaze/Platform,TakTile, Experian PowerCurve, or Zest AI).
• Analytical Acumen: Strong ability to analyze data, identify patterns, and effectively debug system issues.
• Problem-Solving: Proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges.
• Team Collaboration: Excellent interpersonal skills and a team-oriented approach, capable of working effectively with cross-functional teams and internal/external partners.
• Attention to Detail: Meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations.
• Programming/ML: Proficiency in SQL, Python or R, for rule creation, complex data extraction, model integration and data analysis. Familiarity with JSON/XML for API integration, DataBricks and BigQuery.
• Work Style: Organized, ability to work independently and can handle pressure of tight timelines or emergencies.

So are YOU our next Manager, Credit Decisioning Systems? You are, if you…

• University degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent (Master’s is an asset)
• 3-5 years of total experience in credit risk, fintech, or banking operations.
• 3+ years of direct experience managing automated decisioning engines.
• 2+ years in a leadership or senior-level role overseeing technical projects or small teams.
• Experience managing an Adjudication decisioning platform is required

Compensation Information:
• Base salary range: $105,000 - $130,000
• The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles.
Sounds like you? Click below to apply!
#LI-JW1 #LI-Hybrid

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.