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About the Role

The Senior Manager, Loss Mitigation Strategy, Reporting & Analytics supports the Global Risk Management in Canada by developing data-driven LMT strategies, enhancing reporting and analytical capabilities, and delivering portfolio insights to improve collections performance and customer treatment outcomes. The role ensures alignment with business priorities, regulatory requirements, and risk appetite.

Responsibilities

• Drive LMT strategy and portfolio performance by developing and refining strategies across Retail and Small Business portfolios.
• Design, monitor, and optimize treatment logic using predictive insights, segmentation, and portfolio trends.
• Evaluate LMT effectiveness, customer treatment outcomes, and loss mitigation benefits.
• Identify emerging risks and provide executive-ready insights and remediation recommendations.
• Modernize analytics, reporting, and decision support by developing automated, self-service Power BI reporting solutions.
• Leverage SAS, SQL, Python, and Power BI to automate processes and translate complex data into actionable recommendations.
• Conduct targeted deep-dive analyses to explain performance drivers and inform senior management decisions.
• Strengthen governance, controls, and delivery by partnering with stakeholders to implement LMT strategies.
• Support platform, data, and process changes through validation, testing, documentation, and issue resolution.
• Apply the Bank’s risk appetite and risk culture in day-to-day activities.
• Promote effective and efficient operations in line with Scotiabank’s Values and Code of Conduct.
• Contribute to a high-performance and inclusive work environment.

Requirements

• Minimum of 7 years of relevant experience.
• Master’s degree, preferably in advanced analytics, economics, finance, business, mathematics, statistics, computer science, engineering, or a related quantitative discipline.
• Strong experience in credit risk, collections strategy, loss mitigation, retail banking analytics, or portfolio management.
• Ability to translate analytical insights into business decisions.
• Advanced capability with analytical tools and data platforms, including SAS, SQL, Python, and Power BI.
• Experience developing automated reporting solutions, dashboards, validation routines, and performance monitoring frameworks.
• Strong background in data-driven strategy development, including segmentation, strategy testing, performance measurement, risk appetite monitoring, root-cause analysis, and portfolio diagnostics.
• Demonstrated ability to simplify reporting processes, improve control effectiveness, and design scalable solutions.
• Strong communication, storytelling, and stakeholder management skills.
• Ability to present complex analytical findings clearly to senior leaders and cross-functional partners.
• Knowledge of credit scoring, behavior scoring, risk assessment, collections treatments, forbearance reporting, and regulatory expectations are preferred.

Skills

• SAS
• SQL
• Python
• Power BI
• Data-driven strategy development
• Segmentation
• Strategy testing
• Performance measurement
• Risk appetite monitoring
• Root-cause analysis
• Portfolio diagnostics
• Reporting process simplification
• Control effectiveness improvement
• Scalable solution design
• Communication
• Storytelling
• Stakeholder management
• Credit scoring
• Behavior scoring
• Risk assessment
• Collections treatments
• Forbearance reporting
• Regulatory expectations

Location

• Toronto, Ontario, Canada

Work Type

• Full-time

Experience Level

• Senior Manager
• Minimum of 7 years of relevant experience

Education Level

• Master's degree

Benefits

• Opportunity to contribute to a forward-thinking, collaborative team focused on risk management, analytics, and collections strategy.
• Rewarding career path with diverse opportunities for professional development and growth.
• Access to internal training and development resources to support continued capability building.
• Inclusive work environment that encourages collaboration, curiosity, and continuous improvement.
• Tools and support required to deliver high-impact risk, analytics, and strategy solutions.

About the Company

• Scotiabank is a leading bank in the Americas.
• Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.

Equal Opportunity

• At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone.
• If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know.