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About the Role

The Manager, Loss Mitigation Strategies, Reporting & Analytics supports Retail Risk Collections Strategy within Global Risk Management in Canada. The role develops and implements data-driven loss mitigation strategies, reporting, and portfolio analytics to strengthen risk oversight, improve collections performance, and support appropriate customer outcomes.

Responsibilities

• Drive LMT strategy and portfolio performance
• Develop and refine LMT strategies across Retail and Small Business portfolios to improve customer outcomes, reduce losses, and support sustainable collections performance.
• Design, monitor, and optimize treatment logic using predictive insights, segmentation, portfolio trends, and approved governance thresholds.
• Evaluate LMT effectiveness, customer treatment outcomes, roll-rate performance, delinquency migration, loss mitigation benefits, and post-treatment results.
• Identify emerging risks, portfolio trends, and threshold breaches, and prepare clear root-cause assessments and recommendations.
• Modernize analytics, reporting and decision support
• Develop automated, self-service Power BI reporting solutions that improve transparency, enable drill-down analysis, reduce manual effort, and support timely decision-making.
• Leverage SAS, SQL, Python, Power BI, and related analytical tools to automate recurring processes, strengthen data controls, enhance segmentation, and translate complex data into actionable recommendations.
• Conduct targeted analyses to explain performance drivers, identify improvement opportunities, and support management decisions.
• Strengthen governance, controls and delivery
• Partner with Collections Operations, Risk, Product, Technology, Fraud, and Governance teams to implement LMT strategies, assess credit risk implications, and align delivery with business and control requirements.
• 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, decisions, and recommendations.
• Promote effective and efficient operations in line with Scotiabank’s Values, Code of Conduct, and Global Sales Principles, while maintaining strong operational, compliance, AML/ATF/sanctions, and conduct risk controls.
• Contribute to a high-performance and inclusive work environment.
• Identify opportunities to improve analytical rigor, productivity, and scalability.

Requirements

• University degree in Economics, Finance, Business, Mathematics, Advance Analytics, Computer Science, or a related field.
• Minimum of three years of experience in credit risk and/or retail banking.
• Proficiency in programming, database, and analytical tools such as SAS, SQL, Python, and Power BI.
• Experience with Angoss Knowledge Seeker and/or SAS Viya is preferred.
• Strong analytical, problem-solving, written, and verbal communication skills, with the ability to identify key issues and recommend practical solutions.
• Project management, leadership, and organizational skills, with the ability to manage priorities, deadlines, stakeholder expectations, and multiple initiatives effectively.
• Experience using credit risk scores and applying them to strategy design and performance monitoring.
• Results-driven mindset, strong curiosity, and the ability to analyze details without losing sight of the broader business context.

Skills

• SAS
• SQL
• Python
• Power BI
• Angoss Knowledge Seeker
• SAS Viya
• Credit risk scores
• Project management
• Leadership
• Organizational skills
• Analytical skills
• Problem-solving skills
• Written communication skills
• Verbal communication skills

Location

• Toronto, Ontario, Canada

Work Type

• Full-time

Experience Level

• Minimum of three years of experience

Education Level

• University degree in Economics, Finance, Business, Mathematics, Advance Analytics, Computer Science, or a related field.

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.