Looking to start your career in Financial Services? RBC fosters a positive learning environment for students by providing the support and resources to help strategize your career path. Since we opened our doors in 1864, RBC has grown to become one of North America's leading diversified financial services companies. This is an exciting opportunity to be part of a high-performing and dynamic global group.

The Credit Provisioning Analysis and Measurement (CPAM) team within Group Risk Management (GRM) provides senior management with subject matter expertise, guidance and analysis for determining the allowances for credit losses (ACL) and provisions for credit losses (PCL) related to RBC’s financial assets. Both metrics are key inputs to ensuring the financial resiliency of RBC and are widely tracked by our stakeholders. In this role, you will be a key contributor to the continued transformation of the Current Expected Credit Losses (CECL) program that is focused on the U.S. operations of RBC. You will develop innovative data assets, processes, tools, and applications that support the ongoing evolution of our analytical capabilities. You will build consensus and collaborate effectively across a broad range of senior stakeholders to drive outcomes under tight timelines. The role is based in Canada providing excellent exposure to the North American operations of RBC.

WHAT WILL YOU DO?

Perform portfolio analysis across a comprehensive set of product types for the purpose of providing thought leadership to our stakeholders as it relates to credit risk and provisioning.
Acquire an advanced understanding for how we forecast and assess expected credit losses (ECL) across retail and wholesale portfolios, which drives both ACL and PCL.
Develop innovative analytical solutions for monitoring credit risk from a financial market, macroeconomic and portfolio perspective.
Create compelling data assets to empower our applications, business intelligence tools and analytics that you will help create and/or maintain.
Apply leading data visualization skills to productionalize reporting that drives insight and actionable outcomes for managing credit risk.
Prepare reports for review and challenge, ensure segregation of duties, and controls are met.
Innovate by identifying and implementing value added solutions by leveraging agentic AI tools.
Keep abreast of macroeconomic, regulatory, accounting and other financial industry developments as they relate to credit risk management and provisioning.
Understand RBC vision, as well as support and reinforce targeted behaviours that contribute to RBC goals. Comply with all bank policies including SOX controls as appropriate.
With focus and clarity deliver on your individual goals while leading and supporting the development of junior team members.

WHAT DO YOU NEED TO SUCCEED?

Must have:

Ability to think critically and innovative mindset.
Advanced degree in an analytical discipline such as finance, engineering, or applied mathematics.
Solid experience in banking and credit risk with a minimum 5+ years work experience.
Intermediate to advanced skills in programming, financial analysis, and data engineering for the purpose of creating powerful tools, processes and reporting.
Strong data visualization skills alongside the ability to communicate, verbally and in writing, complex concepts in simple terms to a nontechnical audience.
Demonstrated self-starter who can tailor analysis to required level of precision.
Quick learner with outstanding conceptual, analytical, and problem-solving skills in addition to an ability to deliver under pressure.
Works well with cross-functional and business teams demonstrating strong teamwork, coordination, and people skills.
Ability to develop and/or maintain a strong network of internal and external relationships to facilitate credit impairment decisioning.
A thorough understanding of relevant accounting and regulatory guidance for CECL is preferred though not required.

Nice-to-have:

A thorough understanding of relevant accounting and regulatory guidance for forward looking expected credit losses (CECL and IFRS9) is preferred though not required.

WHAT'S IN IT FOR YOU?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
Leaders who support your development through coaching and managing opportunities
Ability to make a difference and lasting impact
Work in a dynamic, collaborative, progressive, and high-performing team
A world-class training program in financial services
Flexible work/life balance options
Opportunities to do challenging work

#LI – POST

Job Skills

Accounting, Analytics, Banking, Business Intelligence Tools, Collaboration, Communication, Credit Risk Management, Data Engineering, Data Visualization, Financial Analysis, Financial Markets, Innovative Thinking, People Oriented, Problem Solving, Report Preparation, Teamwork

Additional Job Details

Address:

RBC CENTRE, 155 WELLINGTON ST W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-06-17

Application Deadline:

2026-07-01

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.