Job Description

What is the opportunity?

As a Senior Manager, Global Credit (Retail Credit) CoE – Internal Audit Services, you will provide independent, objective risk assessment and evaluation of the effectiveness of risk management practices, internal control and corporate governance processes related to Retail Credit Risk globally at RBC. Results ultimately impact key stakeholder relationships including management, regulators, shareholders, and customers.

What will you do?

• Contribute to and lead audit engagements related to first- and second-line retail credit: plan, execute, and report audit projects during a monthly and quarterly cycle.

• Provide insights through in-depth knowledge of Financial Services, Retail Banking, and Retail Credit Risk Management.

• Work as part of a team that audits major business lines in assessing controls relating to credit lifecycle (i.e. underwriting/adjudication, account management and collections, provisioning).

• Provide input and participate in the Internal Audit annual audit strategic planning process.

• Through in-depth understanding of Retail banking businesses, including changes to the regulatory and business environments, develops audit programs to ensure effective control solutions are implemented.

• Ensure effective audit practices for traditional and continuous audits, continuous risk monitoring, audit issue and regulatory issue validation: responsible for the generation of continuous audit techniques and execute quarterly continuous audit.

• Contribute to the execution and implementation of Internal Audit Global Credit COE transformational initiatives to drive efficiency and enhance effectiveness for repetitive credit risk processes.

• Build and maintain data analytics capabilities in support of Audit Group activities, to expand assurance scope/coverage, increase efficiencies, and gain insights.

• Creates networks and relationships with key stakeholders in the Enterprise/Platform/Function, to ensure their team is equipped with the right data, capabilities and tools for data analysis.

What do you need to succeed?

Must-have

• 5+ years of experience in retail credit risk management, knowledge of risk management regulation framework. In-depth knowledge of Retail Banking: credit products, risk management lifecycle, operations, and the first, second and third-line model of defense.

• Excellent knowledge of Credit Risk Management: risk management processes i.e. governance, risk assessment, retail risk management life cycle, credit portfolio management, IFRS9 provisioning.

• Strong project and audit engagement management capabilities

• Strong data analytics skills to drive insights

• High levels of engagement for your individual/independent work and collaboration/contributions to the team work i.e. methodically digests relevant work material, is not afraid to ask clarifying questions, and delivers quality draft reports and presentations.

• Strong written and verbal communication, presentation, and technical writing skills, coupled with a strong interest in further developing your knowledge base of financial services industry, banking, credit risk management, and internal audit.

• University undergraduate degree. Relevant professional certification is strongly preferred (e.g. CIA, CA, CFA, MBA) and/or equivalent work experience within financial services, banking, and/or risk management

Nice-to-have

• Proficient in auditing principles and techniques: can work independently to prepare key risk and control information, audit programs and design and operational control test steps.

What’s in it for you?

The role will enhance leadership and soft skills through active engagement with audit clients, including executive management and advance your business network within the business and functional platforms. This is an opportunity to build strategic partnerships while developing critical thinking skills and providing insights to our audit clients on the management of risk in their operating environment.

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
• Leaders who support your development through coaching and managing opportunities
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work

Job Skills

Active Learning, Adaptability, Audit Engagements, Audit Programs, Audits Compliance, Communication, Consumer Credit Risk, Credit Products, Credit Risk Management, Credit Risks, Critical Thinking, Data Analysis, Detail-Oriented, Internal Auditing, Internal Controls, Interpersonal Relationship Management, Key Stakeholder Relationships, Retail Banking, Retail Credit, Risk Management

Additional Job Details

Address:

20 KING ST W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

INTERNAL AUDIT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-04-13

Application Deadline:

2026-04-27

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.