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Added 23 mins ago
PH
Client Care Manager
Provincial Homecare
Conception Bay South, NL
- Full-time
The Client Care Manager leads the team that gets the right caregiver to the right client at the right time. This role is part of our senior leadership team and carries province wide…
Added 2 hours ago
NB
Senior Credit Analyst
National Bank of Canada
Montreal, QC
- Full-time
A career as Senior Credit Analyst in the Equipment Financing team at National Bank means acting as a credit specialist who supports sound and informed decisions for complex financing needs.…
Added 2 hours ago
NB
Senior Account Manager Restructuring
National Bank of Canada
Montreal, QC
- Full-time
A career as a Senior Account Manager, Restructuring in the Commercial High Risk Loan Management Unit at National Bank means acting as a restructuring expert in the management of a…
Added 2 hours ago
NB
Senior Account Manager Commercial Agri-Food
National Bank of Canada
Quebec, QC
- Full-time
A career as a Senior Account Manager on the team of Agri-Food at National Bank is to adopt a friendly approach and provide high-quality advice, you will offer clients a people-centric…
Added 2 hours ago
NB
Senior Treasury Manager
National Bank of Canada
Vancouver, BC
- Full-time
A career as a Senior Treasury Manager at National Bank means acting as a trusted treasury advisor and strategic partner to Commercial Banking clients across the West Fraser Valley.
Added 2 hours ago
NB
Senior Account Manager Creative Industries
National Bank of Canada
Vancouver, BC
- Full-time
A career as a Senior Account Manager in National Bank's specialized creative industries team (such as audiovisual and film production, video games, special effects, virtual reality,…
Added 2 hours ago
NB
Investment Development Specialist
National Bank of Canada
Mississauga, ON
- Full-time
The position reports to the Senior Manager Investment. We aim to offer you maximum flexibility to support your quality of life. This includes a hybrid work environment and a flexible,…
Added 4 hours ago
WS
Assistant Operations Manager – Seafood & Fishing Industry
Wordwizard Services
Vancouver, BC
- Full-time
…British Columbia is looking for a hands-on Assistant Operations Manager to support the Senior Vice President of Operations in managing day-to-day logistics, fleet coordination, and seafood…
Added 5 hours ago
ML
Human Resources Business Partner
MTE Logistix
AB · Edmonton, AB
- Full-time
Implement new or renewed agreements, including manager briefings and payroll and scheduling changes.
Added 5 hours ago
SM
RQ11350 – Test Lead – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking a Senior Test Lead with extensive experience in quality assurance, manual testing, test strategy development, test planning, test execution, defect management, and User…
Added 6 hours ago
SM
RQ11350 – Test Lead – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking a Senior Test Lead with extensive experience in quality assurance, manual testing, test strategy development, test planning, test execution, defect management, and User…
Added 11 hours ago
GI
Millwork Engineer / CNC Programmer
Giffin Interior
Engineer, BC
- Full-time
…provided a great product. Overall, I am very happy with the relationship that has developed between Giffin and PJ Dick on the PNC jobs and I look forward to many successful projects…
Added 15 hours ago
Senior Client Portfolio Manager (FX Dealer)
Ebury
Toronto, ON
We are looking for a Client Portfolio Manager in our Toronto Office, with proven dealing, trading and account management experience. The successful candidate will manage a significant…
Added 15 hours ago
Branch Manager - FX Sales
Ebury
Montreal, QC
Un Sales Manager est un leader, quelqu'un qui établit des standards élevés et inspire ses équipes à aller au-delà de ce qu'elles pensaient possible. Quelqu'un qui utilise son expérience et…
Added 19 hours ago
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Sales Manager - Brantford Honda
AutoCanada Inc.
Brantford, ON
- $110,000 to $130,000 CAD / year
- Full-time
Excellent verbal/written communication combined with the ability to interact and gain the support of senior leadership and other decision makers
Added 19 hours ago
SM
RQ11350 – Test Lead – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking a Senior Test Lead with extensive experience in quality assurance, manual testing, test strategy development, test planning, test execution, defect management, and User…
Added 19 hours ago
SM
RQ11350 – Test Lead – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking a Senior Test Lead with extensive experience in quality assurance, manual testing, test strategy development, test planning, test execution, defect management, and User…
Added 19 hours ago
SM
RQ11350 – Test Lead – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking a Senior Test Lead with extensive experience in quality assurance, manual testing, test strategy development, test planning, test execution, defect management, and User…
Added 19 hours ago
SM
Senior Account Manager + Client Growth + Base plus commission
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Vancouver, BC
- Full-time
✅ A relationship builder with a proven track record in client-facing roles.
Added 22 hours ago
A
Hotel Manager
AccorHotel
Vancouver, BC
- Full-time
As Hotel Manager, you will partner with the General Manager to lead hotel operations, develop our leaders and deliver memorable guest experiences. Your visible leadership, operational…
Added 22 hours ago
M
Senior Account Manager, Paid Social
Monks
Toronto, ON
- Full-time
The Senior Account Manager – Paid Social role is an account management and leadership role meant for a paid social advertising wizard who loves developing strategy and executing on that…
Added 22 hours ago
M
Sr Manager, Media Strategy, B2B
Monks
Toronto, ON
- Full-time
The Sr Manager, Media Strategy works on some of Monks' most important and valuable client relationships, driving day-to-day planning, insights and client service. The team you'll support…
Added 22 hours ago
M
Senior Account Manager, SEM
Monks
Toronto, ON
- Full-time
2+ years of direct paid search client management including paid search strategy development, execution & client relationship management
Added 22 hours ago
M
Senior Influencer Manager
Monks
Toronto, ON
- Full-time
Monks is seeking a Senior Manager, Influencer Marketing to lead the execution of influencer and creator campaigns. This role owns campaigns from inception to completion, partners closely…
Added 22 hours ago
M
Sr. Manager, Media Strategy
Monks
Toronto, ON
- Full-time
The Sr Manager, Media Strategy works on some of Monks' most important and valuable client relationships, driving day-to-day planning, insights and client service. The team you'll support…

Scotiabank

Manager, Unsecured Credit Risk

Toronto, ON, M5H 1B6, Canada

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Job details

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

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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