Jobs in Canada

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Added 16 hours ago
Senior Manager, Employee Expenses Category
RBC
Toronto, ON
Full-time
Execute multi-year category strategy for travel, corporate cards, and expense applications; manage key vendor relationships and performance reviews
Added 18 hours ago
Senior Manager, Employee Expenses Category
Royal Bank of Canada
Toronto, ON
Full-time
Execute multi-year category strategy for travel, corporate cards, and expense applications; manage key vendor relationships and performance reviews
Added 20 hours ago
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
The Manager, unsecured Credit Risk is to lead the development of any of originations or account management credit risk strategies and ongoing portfolio management for unsecured lending…
Added 1 day ago
Growth & Product Specialist
YNCU
Kitchener, ON
$83,000 to $90,000 USD / year
Full-time
Drive Digital Account Growth: Own the end-to-end strategy, execution, and optimization of paid search (PPC) campaigns across Google and Meta to drive high-intent customer acquisition for…
Added 1 day ago
Manager, Portfolio Analytics & Insights
Scotiabank
Toronto, ON
The Manager, Portfolio Analytics & Insights is responsible for delivering high-quality portfolio monitoring, analytics, and insights for the Unsecured Lending portfolio.
Added 4 days ago
Credit Analytics Risk Manager
HomeEquity Bank
Toronto, ON
Full-time
In this role, you will be a key driver in advancing the Bank’s Credit Risk Management Program through data, analytics, and cross-functional collaboration, with expansion to areas like…
Added 5 days ago
Manager, Product Management, Credit Cards & Unsecured Lending - Tangerine
Tangerine
Toronto, ON
Full-time
At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking - using leading technology, data, partnerships, and the power…
Added 5 days ago
Manager, Product Management, Credit Cards & Unsecured Lending - Tangerine
Scotiabank
ON · Toronto, ON
At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking - using leading technology, data, partnerships, and the power…
Added 5 days ago
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
The mandate of this role is to lead the development of any of originations or account management credit risk strategies and ongoing portfolio management for unsecured lending products…
Added 6 days ago
Manager - Lending Strategy
BMO
Toronto, ON · BMOPLACE
Full-time
The Manager, Unsecured Lending & Strategy Optimization is responsible for developing advanced analytical, machine learning, and AI-enabled capabilities to improve strategy effectiveness…
Added 6 days ago
Manager - Marketing Transformation & Loyalty
EY
Winnipeg, MB · Toronto, ON · Saskatoon, SK · Halifax, NS · St. John's, NL · Saint John, NB · London, ON · Vancouver, BC · Victoria, BC · Edmonton, AB · Ottawa, ON · Dieppe, NB · ON · AB · Calgary, AB · Waterloo, ON
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 6 days ago
Senior Manager - Marketing Transformation & Loyalty
EY
Winnipeg, MB · Toronto, ON · Saskatoon, SK · Halifax, NS · St. John's, NL · Saint John, NB · London, ON · Vancouver, BC · Victoria, BC · Edmonton, AB · Ottawa, ON · Dieppe, NB · ON · AB · Calgary, AB · Waterloo, ON
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 6 days ago
Senior Manager - Marketing Transformation & Loyalty
EY
Waterloo, ON
Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 6 days ago
Manager - Marketing Transformation & Loyalty
EY
London, ON
Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 6 days ago
Senior Manager - Marketing Transformation & Loyalty
EY
Saint John, NB
Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 6 days ago
Manager - Marketing Transformation & Loyalty
EY
Saint John, NB
Full-time
Strong background in Marketing and Loyalty with expertise across customer strategy, customer experience, Martech, brand development, data and analytics, performance management,…
Added 7 days ago
Sr, Manager Digital Banking
Fairstone Bank
Toronto, ON
Full-time
Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a…
Added 8 days ago
Senior Manager, Proprietary Cards Canada
BMO
Toronto, ON · BMOPLACE
Full-time
The Senior Manager, Proprietary Cards will support the Director of Proprietary Cards to drive substantial growth to BMO’s proprietary Mastercard credit card product portfolios. They will be…
Added 8 days ago
Senior Product Manager
Ratehub
Remote, Canada
Full-time · Remote
Ratehub is looking for a Senior Product Manager to join our growing Product team. Reporting directly to the Chief Product and Technology Officer, you will own the end-to-end product…
Added 9 days ago
Senior Manager, Revenue, Growth and Strategy
Plaza Premium Group
Mississauga, ON
Full-time
The Senior Manager, Revenue, Growth and Strategy is responsible for driving revenue growth through various channels including In-terminal sales conversations and digital engagement across…
Added 12 days ago
Data Scientist - Credit Risk (ATH 5531)
TD
Toronto, ON
Full-time
The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic…
Added 11 days ago
Data Scientist - Credit Risk (ATH 5531)
TD
Toronto, ON
Full-time
The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic…
Added 13 days ago
Senior Manager, Default Recovery - Legal Action & Real Estate
Fairstone Bank
Toronto, ON
Full-time
Senior Manager, Default Recovery is an expert in mortgage enforcement and leads the end-to-end recovery strategy for delinquent and non-performing residential and small commercial…
Added 13 days ago
Manager, Fraud Analytics, Systems Mgmt.
BMO
Toronto, ON · FCP
Full-time
The Cards Analytics team is responsible for delivering data-driven insights and analytical solutions that support credit card and debit card portfolio management, fraud strategy…
Added 13 days ago
Manager, Integrated Marketing Planner, TD Business Credit Cards
TD
Ottawa, ON · Toronto, ON
Full-time
Partner with the function and/or line of business to achieve omni- channel acquisition and customer management strategy (i.e., deepening customer relationships, onboarding to retention,…

Scotiabank

Manager, Originations Risk Management

Toronto, ON, M5H 1B6, Canada

Posting language: English
Posted: Sep 16, 2026

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Original job description

Requisition ID: 273974

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

As a Manager, Originations Risk Management you will be a key contributor to the development of credit risk strategies, policies, and procedures for new account originations for Unsecured Lending products (Credit Cards, Unsecured Lines of Credit, Overdraft Protection, etc.) to optimize risk-adjusted returns for Canadian Banking within Global Risk Management.

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

Develop credit risk strategies and policies by leveraging champion/challenger capabilities and incorporate third-party data including non-traditional data, and procedures for new account originations using analytics, empirical decision models, and competitive analysis.
Portfolio analytics, monitoring, and reporting: Monitor application credit quality, approval rates, total bank exposure, early delinquency, exceptions, origination trends, and emerging portfolio risks; conduct independent analysis using advanced data querying and manipulation tools; translate findings into actionable insights through effective data storytelling; and produce monthly, quarterly, and ad hoc reporting to support leadership oversight and early-warning risk monitoring
Support the evaluation of customer relationships across lending and non-lending products to strengthen applicant segmentation and risk differentiation.
Demonstrate initiative to automate and simplify adjudication rules, thresholds, and monitoring processes using technical, analytical skills and industry best practices.
Participate in Credit Cards and Unsecured Lending initiatives related to front-book growth, new products, channels, or customer journeys
Support business cases, risk proposals, and requirements documents review to ensure alignment with risk appetite and sound credit principles.
Act as a change agent by proactively identifying opportunities to enhance origination policies, controls, and processes to improve performance and customer experience.
Support investigations and solutioning for OSFI findings and/or Internal Audit items in an appropriate and acceptable timeframe.

Influence stakeholders across multiple levels of the organization and vendors, including leadership team, through clear, data-driven insights and recommendations.
Communicate complex analytical concepts in a concise manner. Utilize excellent data storytelling skills to present with impactful analysis and advisory.

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

Bachelor’s degree or higher in business, statistics, economics, mathematics, management science, or analytics. Advanced degree or designations (MBA, CFA or FRM) an asset
A minimum of 2 years with a financial institution in the risk/portfolio management field, with rigorous logical thinking and solid understanding of credit principles. Prior experience in unsecured lending (credit cards, lines of credit).
Strong hands-on data analytic and logical thinking ability, with a track record of data-driven decision making.
Ability to translate data into actionable insights using strong data storytelling skills.
Working knowledge of at least one of the data analytics tools, such as SAS, SQL, R, Python and reporting tools such as Tableau, Power BI.
Excellent communication and written skills complemented with solid deductive reasoning, sound judgement and data storytelling.
Knowledge of credit scoring, risk assessment, portfolio management, and behaviour scoring.

What’s in it for you?

The opportunity to join a forward-thinking company surrounded by a collaborative team of innovative thinkers.
A rewarding career path with diverse opportunities for professional development.
Internal development to support your growth and enhance your skills.
A competitive compensation and benefits package.
An organization committed to making a difference in our communities– for you and our customers.
We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!

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. If you require technical assistance, please click here. 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.

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More about this job

Responsibilities

Develop and implement credit risk strategies and policies for new account originations to optimize risk-adjusted returns. Monitor portfolio performance, conduct independent data analysis, and provide actionable insights to leadership.

Requirements

Requires a bachelor's degree in a quantitative field and at least 2 years of experience in risk or portfolio management within a financial institution. Proficiency in data analytics tools and a strong understanding of credit principles are essential.

Skills

Credit risk strategy
Portfolio analytics
Data storytelling
SAS
SQL
R
Python
Tableau
Power BI
Risk assessment
Unsecured lending
Credit scoring
Behavior scoring
Data querying
Financial modeling

Benefits

Competitive compensation
Professional development
Internal development opportunities

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Originations
Unsecured Lending
SAS
SQL
R
Python
Tableau
Power BI
Portfolio Management
Credit Scoring
Behavior Scoring
Risk Appetite
Data Analytics
Financial Institution
OSFI
Internal Audit
Champion/Challenger
Risk-adjusted Returns
Credit Cards
Lines of Credit
Overdraft Protection
Data Storytelling
Empirical Decision Models
Competitive Analysis
Adjudication
Risk Differentiation
Strategy Development
Reporting
Banking

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