Job Description

Requisition ID: 239230



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



We are seeking a highly motivated and technically proficient

Business Analyst

to join our

Retail Credit Risk Reporting

application team within ERMS. This role is critical in bridging the gap between business stakeholders and technology teams within the bank. Ensuring that data-driven solutions meet the evolving needs of retail credit risk management, and regulatory reporting for the bank.



You will work closely with, data engineers, software developers, and business partners to define requirements, streamline data flows, and support the delivery of scalable, high-quality data solutions that power risk decisioning, portfolio analytics and regulatory reporting.

In this role you will:

Requirement Gathering & Analysis

+ Collaborate with credit risk, compliance, and data teams to elicit and document business and technical requirements. + Translate business needs into clear, actionable data and system specifications.

Data Platform & Technical Support

+ Work with data engineers to design and validate data pipelines, data models, and ETL processes. + Analyze and profile large datasets to support data quality and integrity initiatives.

Stakeholder Engagement

+ Act as a liaison between business users and technical teams, ensuring alignment and clarity throughout the project lifecycle. + Facilitate workshops, demos, and walkthroughs to gather feedback and drive consensus.

Documentation & Process Improvement

+ Create and maintain detailed documentation including business requirement documents, technical specifications, process flows, service level agreements, and user stories. + Identify opportunities to improve data governance, and data lineage within the platform for consumer efficiency.

Project Delivery & Agile Practices

+ Support sprint planning, backlog grooming, and testing activities in an Agile environment. + Contribute to project tracking, risk identification, and issue resolution.

Change Management

+ Support the planning and execution of change initiatives related to application enhancements and regulatory updates. + Ensure proper impact analysis, stakeholder communication, and documentation for all changes.

Problem & Incident Management

+ Assist in triaging and resolving data-related incidents and system issues. + Collaborate with support and engineering teams to identify root causes and implement corrective actions.
+ Maintain logs and contribute to continuous improvement efforts based on incident trends.

Do you have the skills that will enable you to succeed in this role?

Bachelor's degree in Computer Science, Engineering, Information Systems, Business Commerce, or related field 3-5 years of experience as a Business Analyst in financial services, preferably in credit risk or data platforms Strong SQL skills and experience working with relational databases (e.g. Oracle, SQL Server, Apache Hive, Apache Spark) Familiarity with data warehousing concepts, ETL tools and cloud platforms (Azure, AWS, GCP) Experience with data visualizaiton tools (e.g Power BI, Tableau) is a plus Solid understanding of retail credit products (mortgages, credit cards, personal loans) and associate risk metrics Knowledge of regulatory frameworks (Basel, IFRS 9) is an asset Excellent communication, analytical, and problem solving skills Ability to speak Spanish is preferred

What's in it for you?

Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employee to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans. Accessibility and Workplace Accommodations - 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. Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements. Upskilling through online courses, cross-functional development opportunities, and tuition assistance. Competitive Rewards program including bonus, flexible vacation, personal, sick days, and benefits will start on day one. Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, cooking with friends, Humans of Digital and much more!


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.