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About the Role

Lead the development of credit risk strategies and portfolio management for unsecured lending products to optimize risk/return within Global Risk Management. This role combines technical execution with business acumen and communication to translate portfolio performance into actionable insights for senior stakeholders.

Responsibilities

Develop and implement originations and account management strategies, policies, and procedures for Unsecured Lending portfolios using analytics, empirical decision models, and competitive analysis.
Leverage champion/challenger frameworks and incorporate credit bureau, third-party, and non-traditional data sources to continuously enhance strategies and optimize credit decisions and line assignments.
Independently conduct analysis, including data extraction and manipulation using advanced tools, translating data into actionable insights and delivering business intelligence through effective storytelling.
Analyze portfolio trends to identify changes in credit quality, utilization, client behavior, and performance, and develop early-warning indicators to detect population shifts and emerging risks related to unsecured accounts.
Assess client relationship depth across products to support segmentation, targeting, and optimized treatment strategies.
Monitor and evaluate existing strategies to identify opportunities, process gaps, and system limitations; recommend enhancements to ensure alignment with risk appetite and avoid unintended risk exposure.
Perform forward-looking risk assessments to ensure strategies remain within defined risk appetite while balancing growth objectives.
Drive automation and simplification of processes, including the development of risk thresholds, controls, and monitoring frameworks for execution and performance tracking.
Promote best practices, leverage advanced analytical tools, and provide governance over strategy design, deployment, and policy enhancements related to originations and account management.
Translate analytics into clear, structured, and actionable insights for senior leadership.
Support development of executive-ready materials for governance forums, regulatory requests, and business reviews.
Provide recommendations to improve portfolio performance, credit quality, and risk-adjusted returns.
Deliver timely and high-quality responses to ad-hoc analytical requests.
Ensure data accuracy, integrity, and consistency across reporting and analytics outputs.
Perform reconciliation, validation, and quality control checks across multiple data sources.
Proactively identify and resolve data issues, gaps, or inconsistencies.
Maintain documentation on data logic, definitions, and methodologies to support audit and governance requirements.
Partner with stakeholders across Product, Finance, Collections, and Strategy teams to support initiatives such as new programs or policy changes, credit strategy adjustments, and portfolio risk assessments.
Provide subject matter expertise on portfolio performance and risk drivers.
Build strong working relationships and influence decision-making through data-driven insights.

Requirements

3–5 years of experience in portfolio analytics, credit risk, or financial analytics
Experience in unsecured lending products (Credit Cards, ULOC, etc.) strongly preferred
Proven ability to manage end-to-end analytics deliverables
Bachelor’s degree in a quantitative or business discipline (e.g., Mathematics, Statistics, Economics, Finance, Computer Science) or compensating work experience
Graduate degree considered an asset
Strong hands-on experience in data analysis and portfolio monitoring
Ability to structure complex analyses and communicate insights effectively
Strong analytical thinking and problem-solving skills
High attention to detail and data accuracy
Effective communication and data storytelling
Ability to balance multiple priorities in a fast-paced environment
Ownership mindset with a proactive approach to identifying opportunities

Skills

SQL/SAS or Python
Power BI or similar visualization tools

Location

Toronto, Ontario, Canada

Work Type

Full-time

Experience Level

3-5 years

Education Level

Bachelor's degree in a quantitative or business discipline
Graduate degree considered an asset

Benefits

Performance bonus
Employee Share Ownership Program
Pension Plan Matching
Health Benefits from day one
Career development and progression opportunities

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.