Jobs in Canada

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Added 7 mins ago
B
Customer Service Representative
BMO
Winnipeg, MB
- Part-time
Reviews customer profiles and engages customers in a needs-based conversation to identify potential opportunities and address everyday banking plans and credit card needs.
Added 22 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
Pricing, credit, financial statements, and logistics
Added 22 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 37 mins ago
PC
Member Service Centre Team Lead
Prospera Credit Union
Surrey, BC
- Full-time
…team focused on driving smart growth and delivering on the credit union’s Vision and Purpose during the natural course of business changes and shifting priorities. The Team Lead promotes…
Added 51 mins ago
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Relationship Manager, Commercial Banking
CIBC
Calgary, AB
- Full-time
You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit
Added 51 mins ago
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Banking Officer, Banking Client Solutions Team
BMO
Toronto, ON · FCP
- Full-time
Provides timely, accurate service and support to Private Bankers by completing a wide variety of credit, non-credit, and related activities.
Added 51 mins ago
K
Bilingual Billing Specialist, National Billing Delivery Centre
KPMG
Quebec, QC
- Full-time
…escalations. This position reports to the Billing Delivery Center Manager/ Supervisor. As the Billing Delivery Centre supports all the local offices throughout Canada, the individual should…
Added 51 mins ago
FT
CAC052:Release / Class Spclst
FedEx Trade Networks Transport and Brokerage
Montreal, QC
- $44,638 to $69,747 CAD / year
- Full-time
Enters shipment data into computer system, obtains credit release and ensures entry is transmitted to customs
Added 1 hour ago
EC
Future Leaders Program – Management Trainee
Emco Corporation: Plumbing, HVAC, Waterworks, Industrial, Irrigation, Fire Protection
Regina, SK
- $52,500 CAD / year
- Full-time
Pricing, credit, financial statements, and logistics
Added 1 hour ago
BT
Accounts Payable/Accounts Receivable Clerk (6-month contract)
Baker Tilly WM
Vancouver, BC
- Full-time
- Temporary
We are seeking an Accounts Payable/Accounts Receivable Clerk to join our Finance team. Reporting to the Manager, Finance, this full-time contract position runs through June 30, 2027, with…
Added 1 hour ago
K
Product Marketing Co-op
Kabam
Vancouver, BC
- Internship
Reporting to the Senior Manager, Product Marketing, the Product Marketing Co-op will spend approximately 80% of their time supporting Lifecycle Marketing (LCM), which owns the email and…
Added 1 hour ago
Client Relationship Manager, Commercial Agriculture Banking (Manitoba)
Scotiabank
Winnipeg, MB
…agricultural businesses across your market. As a Client Relationship Manager (CRM), Agriculture Banking you will serve as a trusted financial partner, building strong client relationships…
Added 1 hour ago
WC
(CAN) Self Checkout Attendant
Walmart Canada
Nelson, BC
- Full-time
Supports the promotion of company sponsored programs, including credit card services, product protection plans, and charitable initiatives, when applicable.
Added 1 hour ago
WC
(CAN) Self Checkout Attendant
Walmart Canada
Thunder Bay, ON
- Full-time
Supports the promotion of company sponsored programs, including credit card services, product protection plans, and charitable initiatives, when applicable.
Added 1 hour ago
WC
(CAN) Self Checkout Attendant
Walmart Canada
Dartmouth, NS
- Full-time
Supports the promotion of company sponsored programs, including credit card services, product protection plans, and charitable initiatives, when applicable.
Added 1 hour ago
RC
Expeditor/Inside Sales Associate-Alliance
Rexel Canada
AB · Edmonton, AB
- Full-time
…database and receive & process orders. Reporting to the Alliance Manager, you will support the field sales and project management…
Added 1 hour ago
WC
(CAN) Front End Checkout Team Associate
Walmart Canada
Winnipeg, MB
- Full-time
Promotes company sponsor programs, ie. Credit card service, product protection and charity initiatives.
Added 1 hour ago
WC
(CAN) Front End Checkout Team Associate
Walmart Canada
Winnipeg, MB
- Full-time
Promotes company sponsor programs, ie. Credit card service, product protection and charity initiatives.
Added 1 hour ago
WC
(CAN) Front End Checkout Team Associate
Walmart Canada
Winnipeg, MB
- Full-time
Promotes company sponsor programs, ie. Credit card service, product protection and charity initiatives.
Added 1 hour ago
TL
Account Executive
The Leadership Agency
Montreal, QC
- Full-time
Hit and exceed a monthly new-revenue target, with extra credit for higher-quality deals like annual prepay
Added 1 hour ago
LC
Senior R&D Project Manager-Cheese
Lactalis Canada
Ingleside, ON
- Full-time
The Sr. Research & Development Project Manager – Cheese is responsible for providing technical leadership, expertise for the development of new products, product improvement and cost…
Added 1 hour ago
WC
(CAN) Front End Checkout Team Associate
Walmart Canada
Winnipeg, MB
- Full-time
Promotes company sponsor programs, ie. Credit card service, product protection and charity initiatives.
Added 1 hour ago
Business Development Manager, Road
DSV
Montreal, QC · Saint-Laurent, Queb
Job Posting Title: Business Development Manager, Road
Added 1 hour ago
Senior R&D Project Manager-Cheese
Lactalis
ON · Ingleside, Onta
The Sr. Research & Development Project Manager – Cheese is responsible for providing technical leadership, expertise for the development of new products, product improvement and cost…
Added 1 hour ago
MI
Field Specialist
MSX International
AB · Ontario
- Full-time
Utilize personal industry experience to inform project manager of market opportunities and

Scotiabank

Manager, Unsecured Credit Risk

Toronto, ON, Canada

Full-time

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Applications open in a new tab.

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