Senior Data Scientist, Credit Risk Strategy

The Personal Services Credit Risk Strategy Department develops and implements credit risk decision-making strategies based on risk/return quantification to deliver value not just for the organization, but also for members and clients, in a way that supports Desjardins Group’s longevity. As a Senior Data Scientist, Credit Risk Strategy, you help define and develop the analytical directions that support our needs for assessing and managing the credit risks associated with granting loans and the financing product lifecycle. You are recognized for your leadership and expertise. You have the ability to take on the design, development, implementation and evolution of decision-making strategies with very little supervision. You influence business directions and risk management practices through the quality of your analytical work, recommendations and deliverables. You are the go-to resource for specialized teams, business partners and senior management during initiatives with a strong strategic impact. More specifically, you will be required to:

• Design, apply, implement and develop decision-making strategies in the realm of credit risk management, while overseeing the production of rigorous methodological documentation that meets governance, validation and model framework requirements.
• Develop, calibrate and roll out predictive models and advanced machine learning algorithms to improve the performance of risk strategies and the experience of our members and clients.
• Maximize the financial impact of strategies that have been rolled out, and actively contribute to the transformation of credit risk management practices.
• Lead or contribute to large-scale strategic transformation initiatives that require advanced expertise in data science, predictive modelling and credit risk.
• Prepare and present the methodological files, analyses and recommendations required for various governance processes, including independent validation exercises, approval committees and risk monitoring bodies.
• Ensure alignment between business objectives, regulatory requirements, sound risk management and industry best practices.
• Serve as a senior advisory specialist to the organization’s various units and help influence their decisions by simplifying complex analytical concepts in terms non-experts can understand.
• Serve as a mentor, coach and technical resource person for team members, and contribute to the development of the division’s analytical practices.

What we offer*

• Competitive salary and annual bonus
• 4 weeks of flexible vacation starting in the first year
• Defined benefit pension plan that provides predictable, stable income throughout retirement
• Group insurance including telemedicine
• Reimbursement of health and wellness expenses and telework equipment

*Benefits apply based on eligibility criteria.

What you bring to the table

• Bachelor’s degree in math, statistics, economics, finance or a related field
• A minimum of six years of relevant experience in data science, predictive modelling or credit risk management
• Please note that other combinations of qualifications and relevant experience may be considered
• Proven experience with the development, validation and implementation of predictive models and machine learning solutions in a production environment
• In-depth experience with credit risk management and quantification, and coming up with risk management decision-making strategies
• Experience creating methodology documentation and presenting files intended for governance, model validation and risk management purposes
• Knowledge of French is required
• Advanced proficiency with SAS, SQL and Python programming tools
• Knowledge of machine learning algorithms and their tangible applications in a credit risk environment

Action oriented, Complexity, Customer Focus, Differences, Innovation, Interpersonal Savvy, Nimble learning

Equity, Diversity, Inclusion and Accessibility

At Desjardins, we believe in equity, diversity and inclusion. We're committed to welcoming, respecting and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients and communities we serve.

If there's something we can do to help make the recruitment process or the job you're applying for more accessible, let us know. We can provide accommodations at any stage in the recruitment process. Just ask!

Trade Union (If applicable)

Job Family

Data (FG)

Unposting Date

2026-11-30