Associate Director of Risk Analytics - Credit

Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, nonbank commercial finance company in North America constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value through optimizing the potential of assets.

Joining Mitsubishi HC Capital Canada means becoming an integral part of an experienced team offering flexible commercial financing solutions adapted to the needs of Canadian businesses.

We stand out thanks to a collaborative culture focused on the well-being of our employees, accountability and career development, open-mindedness, inclusiveness as well as positive leadership in our daily activities!

In addition, a sales team specializing in sustainable development and a community action committee allow us to make a significant social and environmental difference.

About

As an Associate Director of Risk Analytics in the Credit Planning team at Mitsubishi HC Capital America, INC. (MHCA), you will play a leadership role in advancing the capabilities and maturity of Credit Planning - the firm’s strategic Risk Management function.

This is a risk policy and analytics role, performing credit risk analyses in order to inform and build more optimized credit policies and better manage the risk/reward tradeoff.

Responsibilities

This position will be specifically (but not exclusively) tasked with managing the Canadian portfolio; however, the position will also work on American portfolios (and other team members may also work on the Canadian portfolio). Although it is for the Canadian portfolio, this position does not have to be physically located in Canada, instead it may work out of several MHCA sites across North America, including sites in both Canada (Toronto, Montreal, Tres Rivers) and the USA (Chicago, Norwalk Connecticut, Minneapolis, Dallas, etc.).

Credit Planning Is Responsible For Aspects Such As

• Buy Boxes/Strike Zones
• Credit Scores – including score cut-offs
• Model Risk Management
• Risk Based Pricing
• Setting Maximum Exposure Guidelines / Concentration Limits
• Collateral Guidelines and Credit Term analysis
• Portfolio Analytics
• Loss Forecasting
• Automated Decisioning
• Approval Processing Metrics
• Portfolio Optimization
• Interactions with HQ Credit in Tokyo
  
  

You will drive collaboration with cross-functional teams to lead efforts to identify improvement opportunities, source data, create analyses, design solutions, and implement change. You will be responsible for developing complex datasets, extracting meaningful insights, deploying predictive models & data driven solutions to optimize portfolio performance and manage risk appetite. Furthermore, you will be responsible for training Risk Management and Strategic Planning colleagues on these advanced analytical tools to promote broader usage and advancement throughout the enterprise.

As a senior member of the department, this individual will have ownership of several of the above areas for the Canadian MHCA organization, as well as having a strong supporting leadership voice in projects not specifically owned by this individual. This individual will express leadership presence across both the Credit Planning team as well as the broader Management Team of MHCA, expressing risk-based concerns, and being a risk-ambassador to other teams.

This position will provide leadership to other members of the Credit Planning team, expressing vision, guiding their work, and stretching their understandings of Risk Management.

All members of the Credit Planning Team will be positive, focused and detail-oriented, responsible with a sense of ownership, excellent communicators who can clearly and concisely articulate (verbally, in writing and in presentations) problems, solutions and concepts, team players, and possessing of strong multi-tasking and negotiating skills. The above characteristics are expected to be exemplified by this position for the benefit of more junior team members.

The Profile We Are Looking For

Knowledge, Skills, and Abilities:

• Able to set and maintain objectives, goals and deliverables for self and group
• Strong project management skills. Ability to focus, stay in scope and lead a group to a successful outcome
• Prior experience turning data into metrics and ultimately actionable analytics
• Excellent verbal and written communication skills and the ability to interact and engage with a diverse audience (executives, managers, and subject matter experts)
• Technical understanding of database data models, data mining and data segmentation techniques
• Advanced skills in Microsoft Excel, Vision and PowerPoint. Ability to build dashboards with tools such as Board, experienced with data-manipulation tools such as SAP Business Objects, SAS, Python and SQL
• Strong analytical and statistical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information, including time series analysis, with attention to detail and accuracy
• Ability to work independently, pursuing new business development and opportunities, reviewing, and collaborating with senior leadership
• Outstanding problem-solving skills with the ability to quickly identify issues and find workable solutions
• Able to manage multiple projects/processes under tight concurrent deadlines
• Bilingualism (French and English) to serve customers/partners all across Canada and USA.
  
  

Education And Experience

• Bachelor’s degree or equivalent experience; Master’s Degree or PhD preferred (preferred area of study - Mathematics, Finance, Economics, Information Management or Statistics).
• 10 to 12 + years of specific risk management experience.
  
  

What We Have To Offer

• Permanent full-time position
• Flexible work environment with the possibility of working in the offices of:
• Burlington, ON
• Laval, QC
• Montréal, QC
• Trois-Rivières
• Vacation and flexible leave as soon as you start with us
• Personal spending account
• Competitive compensation plan including a bonus program
• Group retirement plan including an employer contribution
• Complete group insurance program paid in part by the company
• Several opportunities for professional growth and access to an online training platform
• Wellness program focused on mental, physical, financial and social health
• Employee and family assistance program accessible at all times
  
  

Don’t think this position is a great fit for you, but still want to join us? Click here: https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=b3ef4f03-f8ff-4ded-80c8-6dd5c5a224f7&ccId=9200144510729_2&lang=en_CA&selectedMenuKey=Language

We would like to thank all applicants in advance. Should you be selected for an interview, you will be contacted directly. Mitsubishi HC Capital Canada values diversity and is committed to accessibility. Should you require accommodation due to disability, please notify the Human Resources Recruiter.