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Added 5 mins ago
Power Market Sector Lead, Canada
HDR
Toronto, ON
Full-time
Act as Senior Project Manager or Senior Engineer for power related projects (seller-doer).
Added 51 mins ago
Senior Technical Program Manager
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Ottawa, ON
Full-time
CNN is hiring a Senior Technical Program Manager to lead high-impact programs that span product, technology, design, and product operations. This is a deeply technical senior…
Added 51 mins ago
Manager, Technical Program Management
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CNN Digital is seeking an experienced Manager, Technical Program Management to lead program management for our Revenue & Growth vertical. This role is responsible for managing a team of…
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Senior Technical Program Manager
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As the Senior Technical Program Manager and delivery lead for 3 Scrum teams within CNN’s Platforms group, you will set the delivery approach for your program area and collaborate with…
Added 51 mins ago
Credit Analyst II
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Generally, reports to the Senior Manager, Credit Management
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ECH - Manager, Marketing (12-Month Contract)
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Sr. Consultant, Diversity, Equity & Inclusion
Michael Garron Hospital
Toronto, ON
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The Senior Consultant will partner across the organization and mobilize the MGH Inclusion Alliance, to ensure that diverse perspectives are heard, embraced, and contribute to meaningful…
Added 5 hours ago
Power Market Sector Lead, Canada
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Act as Senior Project Manager or Senior Engineer for power related projects (seller-doer).
Added 7 hours ago
Project Manager, Sales Enablement & Executive Customer Engagement
Husky Technologies
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The Project Manager, Sales Enablement and Executive Customer Communications will own and lead the development of executive-facing sales enablement content and systems that support…
Added 7 hours ago
Financial Manager - PLM (Product Line Mgmt)
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Added 7 hours ago
Regional Sourcing Manager (Electronics Lane)
Husky Technologies
Bolton, ON
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Added 14 hours ago
Senior Program Manager, Vendor and Scaled Operations
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ON · Ontario, Canada
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As a Senior Program Manager, Vendor & Scaled Operations within Thumbtack's Service Operations PMO, you will own our outsourced and scaled delivery model - the strategy, the governance, and…
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Senior Project Manager
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We are seeking a highly experienced Senior Project Manager with a strong background in mining to lead and coordinate multidisciplinary engineering teams in delivering complex capital…
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Added 18 hours ago
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Partner with senior business leaders to influence strategic and commercial decisions through data-driven insights and recommendations.
Added 18 hours ago
Project Manager, Transformation
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Full-time
We're looking for a highly motivated Project Manager, Transformation to help drive strategic initiatives across Canada Operations. In this role, you will lead complex, cross-functional…
Added 19 hours ago
Manager 3, Software Development (CAN Tax Compliance)
Intuit
Toronto, ON
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Oversees the execution of a portfolio of projects, ensuring alignment with the company's strategic objectives and delivering end-to-end, customer-backed solutions.
Added 20 hours ago
Senior Director, Controllership & Operations Transformation
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Toronto, ON
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As the Senior Director within the Salesforce Controllership group, you will be the strategic owner of our Finance system architecture, data flow, and enhancement roadmap. It is a critical…
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Toronto, ON
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Added 21 hours ago
Sr Manager, Clinic Transformation - East
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Toronto, ON
$85,000 to $100,000 CAD / year
Job Title: Sr. Manager, Clinic Transformation - East & Analytics

Scotiabank

Manager, Unsecured Credit Risk

Toronto, ON, M5H 1B6, Canada

Apply by: Oct 9, 2026
Experience: 3–5 years of experience in portfolio analytics, credit risk, or financial analytics
Posting language: English
Posted: Sep 24, 2026

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Applications open in a new tab.

Original job description

Requisition ID: 274774

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

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 (credit cards, unsecured lines of credit, etc.), to optimize risk/return for Canadian Banking within Global Risk Management. This position combines strong technical execution with business acumen and effective communication to translate portfolio performance into actionable insights for senior stakeholders.

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

Develop Credit Risk Strategies

Develop and implement originations and account management strategies, policies, and procedures for Unsecured Lending portfolios using analytics, empirical decision models, and competitive analysis.
Leverage champion/challenger frameworks and incorporate credit bureau, third-party, and non-traditional data sources to continuously enhance strategies and optimize credit decisions and line assignments.
Independently conduct analysis, including data extraction and manipulation using advanced tools, translating data into actionable insights and delivering business intelligence through effective storytelling.
Analyze portfolio trends to identify changes in credit quality, utilization, client behavior, and performance, and develop early-warning indicators to detect population shifts and emerging risks related to unsecured accounts.
Assess client relationship depth across products to support segmentation, targeting, and optimized treatment strategies.
Monitor and evaluate existing strategies to identify opportunities, process gaps, and system limitations; recommend enhancements to ensure alignment with risk appetite and avoid unintended risk exposure.
Perform forward-looking risk assessments to ensure strategies remain within defined risk appetite while balancing growth objectives.
Drive automation and simplification of processes, including the development of risk thresholds, controls, and monitoring frameworks for execution and performance tracking.
Promote best practices, leverage advanced analytical tools, and provide governance over strategy design, deployment, and policy enhancements related to originations and account management.

Support Business Line Initiatives / Projects

Translate analytics into clear, structured, and actionable insights for senior leadership
Support development of executive-ready materials for governance forums, regulatory requests, and business reviews
Provide recommendations to improve portfolio performance, credit quality, and risk-adjusted returns
Deliver timely and high-quality responses to ad-hoc analytical requests

Data Management, Quality & Controls

Ensure data accuracy, integrity, and consistency across reporting and analytics outputs
Perform reconciliation, validation, and quality control checks across multiple data sources
Proactively identify and resolve data issues, gaps, or inconsistencies
Maintain documentation on data logic, definitions, and methodologies to support audit and governance requirements

Stakeholder Collaboration & Business Support

Partner with stakeholders across Product, Finance, Collections, and Strategy teams to support initiatives such as:

New programs or policy changes
Credit strategy adjustments
Portfolio risk assessments

Provide subject matter expertise on portfolio performance and risk drivers
Build strong working relationships and influence decision-making through data-driven insights

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

3–5 years of experience in portfolio analytics, credit risk, or financial analytics
Experience in unsecured lending products (Credit Cards, ULOC, etc.) strongly preferred
Proven ability to manage end-to-end analytics deliverables
Bachelor’s degree in a quantitative or business discipline (e.g., Mathematics, Statistics, Economics, Finance, Computer Science) or compensating work experience
Graduate degree considered an asset
Strong hands-on experience in data analysis and portfolio monitoring
Proficiency in SQL/SAS or Python (required)
Strong experience with Power BI or similar visualization tools
Ability to structure complex analyses and communicate insights effectively
Strong analytical thinking and problem-solving skills
High attention to detail and data accuracy
Effective communication and data storytelling
Ability to balance multiple priorities in a fast-paced environment
Ownership mindset with a proactive approach to identifying opportunities

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. 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

Lead the development of credit risk strategies for unsecured lending portfolios to optimize risk and return. Translate complex portfolio performance data into actionable insights for senior stakeholders to support business decision-making.

Requirements

Requires 3-5 years of experience in portfolio or credit risk analytics with proficiency in SQL, SAS, or Python. A bachelor's degree in a quantitative or business discipline is required, with a graduate degree considered an asset.

Skills

Portfolio analytics
Credit risk
Financial analytics
Unsecured lending
SQL
SAS
Python
Power BI
Data analysis
Portfolio monitoring
Risk assessment
Data storytelling
Strategic planning
Stakeholder management
Governance

Benefits

Performance bonus
Employee share ownership program
Pension plan matching
Health benefits

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Portfolio Analytics
Unsecured Lending
SQL
SAS
Python
Power BI
Data Visualization
Risk Appetite
Champion/Challenger Frameworks
Credit Bureau Data
Business Intelligence
Governance
Financial Analytics
Risk Assessment
Data Integrity
Stakeholder Management
Credit Cards
Unsecured Lines of Credit
Quantitative Analysis

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