Job Description

Requisition ID: 225563



Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.



Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. Contributes to the overall success of the Retail Credit Provisions in International Banking ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team's business strategies and objectives.

Is this role right for you? In this role, you will:

Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Assist in the design the divisional credit provisioning analytics framework and portfolio evaluation process, ensuring ongoing adequacy of the international credit reserves is supported by advanced analytics. Assist in the design, develop and implement financial risk management provision forecast reports across international portfolios and with end-to-end workflow solution along with ETL process, database solutions, program coding and data visualization tools. Contribute in the consolidation and aggregation of International Retail Provisions metrics for both Actuals, Plan and Forecast metrics, establishing controls that are aligned with the Bank's end user control (EUC) directive. Assist in the provisioning methodology (IFRS9) by validating information, running models, and ensuring the results obtained are as expected. Ensure accuracy, integrity, validity and completeness of the information and models used for provision assessment under the IFRS 9 methodology. Contributes to the internal and external audit process, including SOX controls and compliance with external regulations including OSFI and IFRS. Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. Actively pursues effective and efficient operations of their respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Champions a high performance environment and contributes to an inclusive work environment.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

Previous experience in consumer Retail Risk analytics such as predictive analytics and data mining. Prior loan loss provision and financial modelling would be an asset. Integrity, high attention to detail, thoroughness and accuracy are critical to ensure quality outputs. Good interpersonal and communication skills are essential in dealing with many senior internal and external stakeholders, as well as preparing reports for Executive Management. Good knowledge of SAS, SQL, Excel and database would be an asset. Solid organizational and time management skills to manage competing activities within short time frames. An undergraduate degree in a quantitative subject (Economics/ Accounting/ Finance/ Statistics /Computer Science/ Operational Research).

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.


Location(s): Canada : Ontario : Toronto



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.



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. 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.