Manager, Analytics, Retail Credit Risk Unsecured Lending
Job in
Toronto, Ontario, M5A, Canada
Listing for:
Scotiabank
Full Time
position
Listed on 2026-01-14
Job specializations:
-
Finance & Banking
-
IT/Tech
Data Analyst, Data Science Manager
Job Description & How to Apply Below
Is this role right for you?
In this role, you will:
Origination Strategies
Develop credit risk origination strategies and policies for the Canadian unsecured lending, with goal of using empirical decision models to approve credit, set customer credit exposure, and determine risk adjusted pricing.Ensure all new approved credit is aligned with risk appetite and regulatory requirements and will optimize risk/return over the long term.Lead successful implementation of strategy changes across different technology platforms and channels. Promote lean adjudication decision design.Identify opportunities to improve/test new risk strategies with building a robust and competitive portfolio in mind.Portfolio Monitoring
Improve and maintain monthly/weekly performance monitoring on new accounts acquired through different channels and special programs. Owner of the end-to-end reporting process (from raw data in SQL tables to automated production-grade dashboards).Analyze strategy effectiveness and proactively identify if any segments are or will impact provisioning estimates as vintages mature.Prepare daily, weekly and monthly portfolio monitoring reports and provide actionable insights to manage risks within the risk appetite.Support Business Line Initiatives/Projects
Ensure all business line strategic priorities (i.e. growth, new product launches, new channels, new processes, new business line acquisitions) are consistent with Risk Appetite Framework.Represent Risk’s point of view and liaise with stakeholders throughout the organization to listen actively, communicate, and explain risk measures clearly and as appropriate.Bring innovative solutions to Projects/programs that are consistent with the Bank’s customer/business objectives and risk guardrailsDo you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:
Required:
Bachelor’s degree or higher or equivalent work experience;Desired:
Bachelor’s and/or Masters degree or higher in business, statistics, economics, finance, computer science, data science or science.A minimum of 2-5 years with an organization in the risk/portfolio management field, with rigorous logical thinking and solid understanding of credit principlesProficiency in programing and database (SAS/Enterprise Miner or similar statistical software including the ability to apply advanced statistical techniques, SQL, R, Python)Able to translate data into digestible dashboards and business insights (Tableau, Power
BI, Power App)Excellent communication and written skills complemented with solid deductive reasoning, sound judgement, and creativity.Strong knowledge designing strategies that impact organization’s P&L.Prior experience in a retail lending environment or credit risk management is preferred.Ability to work effectively within a team, able to multi-task and prioritize.What’s in it for you?
An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!We offer a competitive rewards package:
Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!Your career matters! You will have access to career development and progression opportunities.
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