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About the Role

Oversee Retail Deposits Pricing & Portfolio Management in Canada, ensuring business strategies and initiatives are executed in compliance with regulations and policies. Monitor and analyze market and business data to support decisions and identify trends in liquidity management and client behaviors to find deposit growth opportunities.

Responsibilities

• Monitor, assess, and evaluate portfolio trends and provide insights on developing portfolio trends and KPIs to achieve annual targets.
• Engage in portfolio performance routines including weekly/monthly results, monthly forecasting, and annual planning in collaboration with Product Team and Finance.
• Develop and apply financial models to measure business performance.
• Monitor competitor offers and ensure investment portfolio’s strategic positioning.
• Enhance and adjust rate optimization models and methodologies to ensure competitive rates and meet KPIs.
• Support the design, development, and maintenance of portfolio models for business analysis and pricing models for pricing exceptions.
• Recommend solutions for the design of input and output files for new analytics or reports.
• Manage or support ad-hoc assignments or special projects for Retail Deposits & Investments in partnership with business line, finance, analytics, retail channel, and external partners.
• Manage the Deposits Exception Pricing Desk and the SmartBot tool, supporting across Canadian Retail Banking, Private Banking, and Advisor Deposit Services channels.
• Monitor, track, and provide key insights to the Pricing committee on exception trends and competitor offers.
• Assist in managing the GIC Early Redemption inbox to review exception cases for redeeming non-redeemable GICs.
• Assist the pricing optimization and execution of approval pricing changes across Retail Products and Advisor Deposit Services.
• Recommend opportunities to improve the expectation policy and increase operational efficiency by enhancing processes and tools.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Pursue effective and efficient operations in accordance with Scotiabank’s Values, Code of Conduct, and Global Sales Principles.
• Ensure adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations for operational, compliance, AML/ATF/sanctions, and conduct risk.
• Champion a high-performance environment and contribute to an inclusive work environment.

Requirements

• Multiple years of experience in the financial services industry.
• Experience in product P&L management, finance and/or business analytics.
• A good understanding of the GIC market, products, services, and processes.
• Strong analytical and communication skills.
• Solid project management skills to prioritize, manage, and implement competing initiatives.
• Excellent time management skills and a proven ability to meet deadlines.
• Advanced skills in using Microsoft Office tools; Excel, Word, Access, PowerPoint, etc.
• Working experience with SAS/SQL is preferred.

Skills

• Financial modeling
• Pricing
• Portfolio management
• Liquidity management
• Data analysis
• Microsoft Office Suite (Excel, Word, Access, PowerPoint)
• SAS
• SQL

Location

• Canada
• Ontario
• Toronto

Work Type

• Full-time

Experience Level

• Manager

Education Level

• Related post-secondary education
• MBA or other advanced degree preferred

Benefits

• Opportunity to join a forward-thinking and collaborative team.
• Rewarding career path with diverse opportunities for professional development.
• Internal training to support growth and enhance skills.
• Inclusive working environment that encourages creativity, curiosity, and celebrates success.
• Work in an Ecosystem with access to group seating, offices, collaboration spaces, a cafeteria, and a bistro.

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.
• If you require technical assistance, please click here.
• Candidates must apply directly online to be considered for this role.
• We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.