Jobs in Canada

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Added 1 month ago
RB
Associate Director - Lead Application Support Specialist, GED Support
Royal Bank of Canada
Toronto, ON
- Full-time
Strong SQL skills for querying, analyzing data, and troubleshooting application issues
Added 1 month ago
WT
Senior Lead, Partnerships (Perks & Rewards)
Wealthsimple Technologies
Remote, Canada
- $152,000 to $190,000 CAD / year
- Full-time
- Remote
Hands-on data skills: SQL or a BI tool (Looker, Preset, Tableau, or similar) to interrogate spend and redemption yourself.
Added 1 month ago
SI
Director of Analytics Engineering
Scribd, Inc.
Toronto, ON · Vancouver, BC
- Full-time
…data modeling, architecture, governance, quality, tooling, and developer…
Added 1 month ago
H
Principal Azure Databricks Architect
Hays
Toronto, ON
- Contract
Develop scalable data pipelines using Azure Data Factory, Databricks, Python, PySpark, and SQL.
Added 1 month ago
CS
Software Engineer, AI & Platforms
Cameron Stephens
Toronto, ON
- Full-time
…simultaneously forging long-term relationships with our real estate developer partners. We are committed to excellence in everything we do and building trust with all our…
Added 1 month ago
BO
Financial Sector Specialist Analyst
Bank of Canada
Ottawa, ON
- Full-time
…to leverage tools for data extraction and aggregation (e.g., SQL and…
Added 1 month ago
BP
Senior Business Systems Analyst
BC Pensions
Victoria, BC
- Full-time
Experience with Oracle SQL, PL/SQL, and Oracle Cloud Reporting tools.
Added 1 month ago
A
Engineering Team Lead
Analyticsmart
Toronto, ON
- $160,000 to $180,000 CAD / year
Proficiency in SQL, MS SQL, and other databases.
Added 1 month ago
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
Added 1 month ago
T
Sr Consultant, Analytics Consulting
TransUnion
Burlington, ON
- Full-time
Advanced analytical and programming capabilities using R, SAS, SQL, Python, and big data technologies such as Hive, Spark, Hadoop, or cloud-based platforms.
Added 1 month ago
T
SQL Developer / Data Engineer
TD
Toronto, ON
- Full-time
Position Title: Senior SQL Developer / Data Engineer
Added 1 month ago
D
Data Scientist, Validation of Financial and AI Models
Desjardins
Montreal, QC · Complexe Desjardins Montréal
- Full-time
Programming knowledge using Python, SQL, SAS, R, C++, MATLAB or equivalent technologies
Added 1 month ago
A
Engineering Team Lead
Analyticsmart
Toronto, ON
- Full-time
· Proficiency in SQL, MS SQL, and other databases.
Added 1 month ago
FM
Full Stack Developer - FNV Diagnostics Cloud
Ford Motor Company
Waterloo, ON
- Full-time
Candidates who are in commuting distance to a Ford hub location may be required to be onsite four or more days per week.
Added 1 month ago
Technology Developer
Purolator
ON · Mississauga, ON
Model, query, and tune data in PostgreSQL which means writing SQL you can reason about, not just ORM output
Added 1 month ago
PI
Technology Developer
Purolator Inc.
Mississauga, ON
- Full-time
Model, query, and tune data in PostgreSQL which means writing SQL you can reason about, not just ORM output
Added 1 month ago
G
Senior Java Software Engineer
Genpact
Montreal, QC
- Full-time
Inviting applications for the role of Lead Consultant, Java FS Developer
Added 1 month ago
C
Java Full Stack Developer
Capgemini
Mississauga, ON
- $85,000 to $95,000 CAD / year
- Full-time
Seeking a Java Full Stack Developer with expertise in Java, Spring Boot, Microservices, REST APIs, AWS, and modern DevOps practices to develop and support scalable enterprise applications.
Added 1 month ago
AT
Senior GoLang Engineer
Aarista Technologies
Vancouver, BC
- Full-time
Build and maintain integrations with MongoDB, SQL Server (via GORM), and Azure Blob Storage.
Added 1 month ago
CT
Senior Data Engineer
Confluence Technologies
Canada
- Full-time
…engineers through mentorship and knowledge sharing. This is a developer-focused role, with a strong emphasis on solving complex data challenges through clean, maintainable…
Added 1 month ago
QA
Data Scientist II - QuantumBlack, AI by McKinsey
QuantumBlack, AI by McKinsey
Toronto, ON
- Full-time
Programming experience (focus on machine learning): SQL and Python’s Data Science stack are a must; good knowledge of at least one big data framework (Pyspark, Hive, Hadoop) is a plus; R,…
Added 1 month ago
B
Intern, Developer Analyst (Winter 2027)
Bombardier
Dorval, QC
- Volunteer
You have a good knowledge of common computer languages (VBA, .Net, SQL)
Added 1 month ago
BC
Student Automation Analyst
Bird Construction
Winnipeg, MB
- Full-time
Integrate Power Platform solutions with SharePoint, Microsoft Teams, Dataverse, SQL Server, and other data sources.
Added 1 month ago
WC
Actuarial Analyst I
Workers Compensation Board of Manitoba
Winnipeg, MB
- Full-time
Strong computer programming skills in VBA and/or SQL would be an asset
Added 1 month ago
VC
Développeur(se) logiciel, imagerie médicale / Software Developer (PACS)
Valsoft Corporation
Remote, Canada
- Full-time
- Remote
As a Software Developer on the Asteris team, you will help build and evolve Keystone, our PACS platform for veterinary imaging. You will work on features that store, transfer, render, and…

Scotiabank

Manager, Unsecured Credit Risk

Toronto, ON, M5H 1B6, Canada

Apply on jobs.scotiabank.com About employer

Applications open in a new tab.

Job details

Experience: 3–5 years of experience in portfolio analytics, credit risk, or financial analytics
Posting language: English
Posted: Sep 29, 2026

Original job description

Requisition ID: 275151

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

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 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:

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

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 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.

Apply on jobs.scotiabank.com About employer

More about this job

Responsibilities

The Manager of Unsecured Credit Risk leads the development and implementation of originations and account management strategies to optimize risk and return for unsecured lending products. They are responsible for analyzing portfolio trends, developing actionable insights for senior stakeholders, and ensuring strategies align with the bank's risk appetite.

Requirements

Candidates must have 3–5 years of experience in portfolio analytics or credit risk, with proficiency in SQL, SAS, or Python. A bachelor's degree in a quantitative or business discipline is required, along with strong analytical, problem-solving, and communication skills.

Skills

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

Benefits

Performance bonus
Employee share ownership program
Pension plan matching
Health benefits

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Unsecured Lending
SQL
SAS
Python
Power BI
Portfolio Management
Data Analysis
Financial Analytics
Risk Appetite
Champion/Challenger Frameworks
Credit Bureau Data
Business Intelligence
Data Storytelling
Governance
Regulatory Compliance
Segmentation
Forecasting
Automation
Banking
Quantitative Analysis
Strategy Development
Risk Assessment
Performance Tracking
Stakeholder Management

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Work requirements

Jobs in Canada