Job Description

Requisition ID: 229860



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



The Senior Manager Portfolio Analytics & Reporting contributes to the overall success of Small Business Credit Risk in International Banking by working closely with senior management, GRM colleagues, business line leads, and a diverse set of stakeholders to generate insights and deliver strategic recommendations. The incumbent will drive analyses, support oversight, and strategic thought leadership across Small Business portfolios, segments and industries, ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures.

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. Monitors Small Business portfolio indicators, proactively analyzing performance alongside macro-economic and external trends; collaborates with the Lending Policy and Governance and GRM colleagues to establish recommendations based on data-driven observations and analyses. Leads sensitivity analyses to test performance benchmarks against various external environments; leads cross-functional teams to establish scenario frameworks and readiness playbooks by identifying and prioritizing levers. Supports performance trending across portfolios, and preparation of strategic communication materials for Credit Risk Committees and Senior Credit Committees as required. Performs competitive / business environment research and benchmarking to determine emerging issues and trends and analyze the impact / implications of those trends. Measures and monitors credit score and policy changes across the credit life cycle (adjudication, customer management and collections) with a focus on independent analysis of the risk-return trade-off. Triangulates internal data analyses with macro-economic and consumer trend reports to define customer vulnerability frameworks; establish an integrated set of performance benchmarks to continuously monitor segment performance. Collaborates with GRM colleagues to improve portfolio monitoring and account management capabilities through integration of new models and frameworks. Supports annual strategic planning process through thought leadership on implications to KPIs and risk related metrics, based on business objectives and growth plans. Enables and delivers analyses and strategy development for Retail and Small Business Credit Risk initiatives related to Capital optimization and Risk Adjusted Return on Capital. 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:

University degree in business, economics, finance, or related area. 10 years of relevant work experience Exceptional problem-solving skills, with ability to manage ambiguity Strategic orientation with strong innovative and integrative acumen Strong analytical skills and ability to design and interpret information/data required to monitor the performance Able to effectively manage relationships across the Bank Excellent executive communication and storyboarding skills Strong leadership and interpersonal skills that facilitate an effective team environment Demonstrated commitment to coaching and developing staff Highly organized with proven ability to make decisions in a time pressured environment Bi-lingual English/Spanish is highly desirable

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.