We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com (https://www.cibc.com/en/about-cibc.html) **What you’ll be doing** The Consultant, Forecasting and Analytics is an expert in understanding the performance and quality of the different retail portfolios from a risk perspective. You’ll deliver analytic and reporting to understand the key drivers and performance of the different retail portfolio. You’ll also deliver impactful analytics to understand and quantify portfolio performance, support business initiatives and strategies, and provide value-add analysis for enhanced business decisions. In addition, you will be responsible to develop and deliver delinquency and quarterly net credit loss forecasting of different retail products, as well as supporting/developing analytics under a variety of economic scenarios and quantify the impact of mitigating actions. _At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote._ **How you’ll succeed** + **Analytical mindset** – Collect and analyze data/metrics to understand the different portfolios’ trends and performance and apply those findings/ knowledge. Challenge the status quo through critical thinking and thoughtful analysis. Diagnose business operation environments and prudently test hypotheses to identify actionable insights. + **Domain knowledge -** Well-versed of best practices and new discoveries in analytical fields, appropriately applying them to achieve team objectives. Knowledgeable of economic trends and implications to develop consumer credit behavior insights. + **Relationship management** – Foster working relationships with business partners to create a collaborative atmosphere. Cultivate new relationships aimed at creating solutions to common objectives. + **Portfolio communication** - Ability to create analyses and package into presentations and communicate to the end users (executives). Have the ability to adjust the messages and presentation depending on the end users. **Who you are** + **You can demonstrate experience with Retail Credit risk** with strong knowledge of retail risk management concepts, the credit life-cycle, and portfolio performance drivers. + **You can demonstrate a minimum of 2 years’ experience with SAS EG** , with a sound understanding of analytical methodologies and techniques that deliver the most relevant and innovative insights. **It’s an asset** if you have experience with automation of report generation through SAS EG, as well as have experience with Python and Tableau for data visualization. + **You give meaning to data.** You have the ability to interpret data and translate it into insights with business meaning. You also have strong written communication skills to develop reports and presentation decks tailored to diverse audiences ranging from non-risk specialists to senior executive levels. + **You have a Master’s Degree** in statistics, mathematics, finance, economics, or a Bachelor’s Degree with relevant experience. + **You embrace and advocate for change.** You continuously evolve your thinking and the way you work in order to deliver your best. + **Values matter to you.** You bring your real self to work and you live our values – trust, teamwork and accountability. **What CIBC Offers** At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck. + We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program. + Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients. + We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development. *Subject to plan and program terms and conditions **What you need to know** + CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com + You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit. + We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us. **Job Location** Toronto-81 Bay, 31st Floor **Employment Type** Regular **Weekly Hours** 37.5 **Skills** Communication, Credit Risk Analytics, Credit Risk Modeling, Data Presentations, Deliverable Tracking, Detail-Oriented, Forecast Accuracy, High Accuracy, Influencing Skills, Python for Data Analysis, SAS Analytics, SAS Reporting, SAS SQL, SQL Database Queries, Stakeholder Collaboration At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values: Trust, Teamwork and Accountability. Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel. Every day, our 44,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us.