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Added 12 mins ago
EC
Future Leaders Program – Management Trainee
Emco Corporation: Plumbing, HVAC, Waterworks, Industrial, Irrigation, Fire Protection
Brandon, MB
- $52,500 CAD / year
- Full-time
…products and sustainable solutions to support residential, commercial, and infrastructure projects across the…
Added 12 mins ago
S
Manager, Unsecured Credit Risk
Scotiabank
Toronto, ON
- Full-time
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 12 mins ago
VP
Electrical Lead
Vista Projects
Calgary, AB
- Full-time
The world needs energy, and better engineering makes the projects that deliver it safer, more efficient and more sustainable. Our multi-discipline teams have designed some of the most…
Added 12 mins ago
LM
Capture Manager NORAD Modernization
Lockheed Martin
Montreal, QC
- Full-time
NORAD Modernization is a major portfolio of projects being launched by the Canadian Government, the Capture Manager NORAD Mod. will be focused on the further development of the overall…
Added 12 mins ago
H
Project Manager
Hays
Winnipeg, MB
- $130,000 to $150,000 CAD / year
- Full-time
Our client is a growing organization delivering complex telecommunications and infrastructure projects across a diverse portfolio. With a strong focus on operational excellence, financial…
Added 12 mins ago
LM
Hardware Engineer Senior
Lockheed Martin
Ottawa, ON
- Full-time
Measuring/Tracking Progress: Mentor junior staff on estimating and is accountable for estimates of work progress tracking. May include Control Account Manager (CAM) role on projects
Added 12 mins ago
S+
Mechanical Project Manager
Smith + Andersen
Toronto, ON
- Full-time
Join Smith + Andersen as a Project Manager at our Toronto office and take meaningful ownership of projects from design through construction. You will lead projects end-to-end, balancing…
Added 13 mins ago
Project Manager (Airports)
Aecon
Mississauga, ON
Tristar Airport is looking to add one more Project Manager who will be responsible for leading construction and infrastructure projects from pre-construction through to completion, ensuring…
Added 27 mins ago
PG
Commercial Property Manager
Patry Group of Companies
Kingston, ON
- $90,000 to $100,000 CAD / year
- Full-time
You’ll run our commercial and retail properties day to day. That means keeping tenants happy and paying, getting leases renewed, keeping the buildings in good shape, and hitting each…
Added 27 mins ago
FB
Sales Outside
Foundation Building Materials
Surrey, BC
- Other
Foundation Building Materials (FBM) is a leading construction materials distribution company serving the commercial and residential construction markets across United States and Canada. In…
Added 57 mins ago
PG
Project Manager, Mechanical Construction
Plan Group Inc.
Vaughan, ON
- Full-time
You have experience managing electrical commercial and institutional projects.
Added 57 mins ago
EC
Future Leaders Program – Management Trainee
Emco Corporation: Plumbing, HVAC, Waterworks, Industrial, Irrigation, Fire Protection
Regina, SK
- $52,500 CAD / year
- Full-time
…products and sustainable solutions to support residential, commercial, and infrastructure projects across the…
Added 58 mins ago
Lead, Project Controls, Non-Technical, Pacific Link (Contract)
Trans Mountain
Calgary, AB
Working closely with Project Management, Engineering, Regulatory, Permitting, Commercial, Indigenous Relations, Stakeholder Engagement, Environmental, and Project Controls teams, the Lead,…
Added 1 hour ago
G
Construction Manager - Radar & Antenna Infrastructure
Ganotec
Oakville, ON
- Full-time
Experience as a Construction Manager, Senior Project Planner, Senior Estimator, or equivalent on complex construction, defence, telecommunications, radar, or antenna projects.
Added 1 hour ago
G
Construction Manager - Radar & Antenna Infrastructure
Ganotec
Clarington, ON
- Full-time
Experience as a Construction Manager, Senior Project Planner, Senior Estimator, or equivalent on complex construction, defence, telecommunications, radar, or antenna projects.
Added 1 hour ago
CN
Business Transformation Project Manager – PMO
Caldic North America
Mississauga, ON
- $95,000 to $140,000 CAD / year
- Full-time
5–8 years of relevant experience in project management, business transformation, commercial operations, supply chain or management consulting, including delivery of cross-functional projects
Added 1 hour ago
G
Construction Manager - Telecommunications & Transmission
Ganotec
Oakville, ON
- Full-time
Experience as a Construction Manager, Senior Project Planner, Senior Estimator, or equivalent on telecommunications, transmission, critical communications, industrial, defence, or…
Added 1 hour ago
G
Construction Manager - Heavy Mechanical equipment installation
Ganotec
Oakville, ON
- Full-time
…delivery of industrial, marine, and defence infrastructure projects involving heavy mechanical equipment installation. Candidates with experience as a Construction Manager, Senior Project…
Added 1 hour ago
EG
Contact Sales Representative
Endress+Hauser Group
Montreal, QC
- Full-time
Transition with Regional Sales Manager and Project Sales Manager for larger projects uncovered through scouting
Added 1 hour ago
TR
Mechanical Foreman - New Construction
Tap Roots Plumbing and Heating Ltd.
Surrey, BC
- Full-time
Minimum 3+ years of experience leading crews on commercial, multi-family, or residential construction projects
Added 1 hour ago
Senior Account Manager, Canada
Phillips 66
Calgary, AB · ON · Various, ON
Must have a valid driver's license
Added 1 hour ago
EC
Future Leaders Program – Management Trainee
Emco Corporation: Plumbing, HVAC, Waterworks, Industrial, Irrigation, Fire Protection
Winnipeg, MB
- $52,500 CAD / year
- Full-time
…products and sustainable solutions to support residential, commercial, and infrastructure projects across the…
Added 1 hour ago
KM
Service Operations Administrator (GTA)
Konica Minolta Business Solutions Canada
Mississauga, ON
- $42,609.32 to $61,251 CAD / year
- Full-time
 As assigned/requested by National Field Technical Support Manager/ Senior Director, Service Operations
Added 1 hour ago
K
Director of Operations
Kuehne+Nagel
Mississauga, ON
- Full-time
…Whether you’re leading a team, engineering processes, or driving projects, your work ensures that our customers’ products are stored, handled, and delivered with precision. From everyday…
Added 1 hour ago
KM
Cyber Security Analyst (GTA)
Konica Minolta Business Solutions, U.S.A., Inc.
Mississauga, ON
- Full-time
Certified Information Security Manager (CISM)

Scotiabank

Manager, Unsecured Credit Risk

Toronto, ON, Canada

Full-time

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Job details

Job type: Full-time
Apply by: Dec 12, 2026
Experience: 3–5 years of experience in portfolio analytics, credit risk, or financial analytics
Posting language: English
Posted: Nov 12, 2026

Original job description

Requisition ID: 279237

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

Skills

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.

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More about this job

Responsibilities

Develop and monitor credit risk strategies for unsecured lending products, using portfolio analytics to optimize risk-adjusted returns and identify emerging risks. Deliver actionable insights and governance materials, maintain data quality and controls, and collaborate with business partners on credit policies and portfolio initiatives.

Requirements

Requires 3–5 years of experience in portfolio analytics, credit risk, or financial analytics, with unsecured lending experience strongly preferred. Candidates need hands-on analytical skills, proficiency in SQL, SAS, or Python, experience with Power BI or similar tools, and a bachelor's degree in a quantitative or business discipline or equivalent work experience.

Skills

Credit Risk Strategy
Portfolio Analytics
SQL
SAS
Python
Power BI
Data Analysis
Portfolio Monitoring
Unsecured Lending
Credit Risk Modeling
Data Visualization
Data Storytelling
Data Quality Control
Stakeholder Collaboration
Risk Assessment
Champion-Challenger Testing

Benefits

Performance Bonus
Employee Share Ownership Program
Pension Plan Matching
Health Benefits
Career Development Opportunities

Visa sponsorship

Not detected in the job text

Keywords

Unsecured Credit Risk
Credit Cards
Unsecured Lines Of Credit
Originations
Account Management
Credit Risk Strategies
Portfolio Management
SQL
SAS
Python
Power BI
Credit Bureau Data
Third-Party Data
Champion-Challenger Frameworks
Empirical Decision Models
Portfolio Analytics
Risk Appetite
Risk-Adjusted Returns
Early-Warning Indicators
Data Extraction
Data Manipulation
Data Reconciliation
Data Validation
Data Quality Controls
Governance
Credit Policy
Portfolio Monitoring
Business Intelligence
Canadian Banking
Global Risk Management

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Work requirements

Jobs in Canada