Job Description

Requisition ID: 168338

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
Purpose of Job:
GRM Retail Credit Risk aims to be an industry leader in developing innovative solutions for Retail Banking. This is accomplished by leveraging advanced analytics, agile principles, and disciplined risk governance. To align with its departmental mission of supporting the strategic objectives of the leadership of the Caribbean region, the Customer Management team designs, implements and monitors pre-approval strategies. The team utilizes various analytical methods to detect opportunity areas, assess trends in the portfolios, and answer questions around the Credit Risk Lifecycle.
Job Responsibilities:
The Manager \xe2\x80\x93 Customer Management Analytics & Insights within GRM Retail Credit Risk in the Caribbean region is a key role in delivering strong results through advanced analytics. You will be working in a fast-paced environment, actively supporting data-driven decision making across the Retail Credit Risk Lifecycle. This is an 18-month contract position. Your key responsibilities include the following:

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  Monitor, assess, and evaluate various lifecycle strategies as well as overall portfolio performance. Through various dimensions of analysis, you will work closely with business partners in Toronto and in other countries to develop actionable tactical recommendations to enhance effectiveness of programs and profitability.
• Perform analysis, on a frequent basis, to answer questions from senior management within and outside of GRM, to find the root cause of an event, or to determine enhancement opportunities or possible strategy expansions.
• Review risk management tools and reports, including recommendations to senior management with regards to opportunities to streamline, optimize and introduce new risk analytics or technologies, aligned with the ongoing Scotiabank\'s strategic initiatives.
• Work closely with stakeholders to understand business requirements and provide ongoing support on all analytical deliverables.
• Ensure that all business-line strategic priorities, such as portfolio growth, cross-sell and customer, retention, are consistent with the current Risk Appetite Framework and the strategic objectives of the department.
• Act a subject matter expert of the activities that are around Customer Management and Credit Lifecycle.
• Provide support with the implementation of risk technologies (TRIAD) and other core systems (i.e. TSYS, ScotiaGlobe, etc.) to enable the automation of strategies (pre-approval strategies in particular), policies and business rules and the centralization of risk management for governance across the Credit Lifecycle.

Job Requirements:

• 
  Problem solving, critical thinking and orientation to detail skills, as they are essential for this role. It is also important that you enjoy learning new skills and assimilating knowledge related to the day-to-day activities of the team.
• A University degree in a relevant quantitative and data-driven discipline (Finance, Economics, Science, Technology and Mathematics). A Master\xe2\x80\x99s degree is a plus.
• The ideal candidate has experience in the Retail Credit Risk Industry doing analytics, participating in projects, and finding solutions to challenges. Experience in the Financial sector overall is required (you should have a good understanding of Retail Banking and retail loans, as well as a good understanding of Credit Risk).
• Experience preparing reports that require extensive data analysis is important for the role.
• Extensive experience using SAS for analyses is crucial; you need to be an advanced user. Knowledge of SQL is also valuable.
• Programing experience in Python and/or R is a plus. Knowledge of Tableau or Power BI is a plus.
• Good teamwork, collaboration, and co-operation.
• Excellent communication and writing skills, complemented with the ability to deliver complex concepts concisely to technical and non-technical audiences.
• Project Management skills, such as exposure to the Agile methodology, are a plus and an asset.

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.