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Scotiabank

Manager, Unsecured Development & Control

Toronto, ON, M5H 1B6, Canada

Experience: 2+ years in retail lending, technology, or risk management experience required
Posting language: English
Posted: Oct 1, 2026

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Original job description

Requisition ID: 274782

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

The mandate of this role is to support with acquisition credit risk strategies and policy for the Unsecured portfolio to optimize risk/return within Global Risk Management to meet Canadian Banking strategic priorities. In this role, you will be responsible for the following key items.

Monitor key performance indicators and leverage insights to develop, implement, and provide technical tests of lending strategies
Maintain current and in-depth knowledge of Unsecured retail lending policies, strategies, and market trends
Drive digital risk automation through integration of modern digital risk technology and client centric policy design
Continuously leverage new toolsets and techniques in day-to-day responsibilities

The Manager of Development & Controls for Unsecured Strategy Enablement, Canadian Retail Credit Risk in GRM will work in close collaboration with centre of excellence teams, unsecured business partners, risk technology, front-line technology teams, compliance teams, and external vendors to ensure credit strategies are implemented accurately and consistent with the Risk Appetite Framework. The candidate will also be expected to drive continuous improvement in technology design, deployment/testing techniques, and best practices in compliance with governing regulations, internal policies and procedures.

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

Change management & Technology

Drive digital risk automation through integration of modern digital risk technology and client centric policy design
Obtain subject matter experts in risk technology design, deployments, testing, validation processes across the retail footprint, especially using FICO DMP suites of software
Ensure strict adherence to deployment, testing, documentation, and release management processes, and provide effective challenge to key stakeholders where required
Perform post-implementation validation & track performance of digital risk implementation
Continuously leverage new toolsets and techniques in day-to-day responsibilities
Act as a change champion to transform the retail risk implementation model in alignment with ongoing technology migrations.

Support Strategy Design & Implementation

Work closely with business and portfolio policy team to support the technical design of credit risk strategies, calculations, policy for the unsecured portfolio
Ensure successful implementation of strategy changes within the adjudication engine and perform pre/post implementation test and validation activities
Ensure the design of development process adheres to regulatory and governance requirements.

Portfolio Analytics and Simulation Testing

Use a variety of tools (ex. SAS, Excel, Python, MongoDB, Power BI etc.) to provide dynamic analysis on key performance metrics to various stakeholders in GRM and business lines in support of production releases
Leverage existing portfolio monitoring and reports to drive insights, identify opportunities, and address any at-risk segments
Conduct pre/post-implementation validation of strategies via decision simulation to ensure accurate implementation and alignment with expected results.

Unsecured Competitive Landscape

Stay informed of competitive landscape, partnering with the business line to ensure that as risk managers our processes, strategies and policies consider the changing landscape.
Develop and maintain relationships with external business partners (e.g., third party vendors, credit bureaus) where required, to support in strategy build, or technology support.

Support Business Line Initiatives/projects

Ensure all business line strategic projects (i.e., new product launches, changes to existing product offerings, new channels, new acquisition framework, changes to approval strategies) are consistent with Risk Appetite Framework. Identify opportunities and make recommendations
Represent Risk's point of view and liaise with the stakeholders (operations, product owners, collections, technology, governance) throughout the organization to listen actively, communicate, and explain risk measures clearly and as appropriate identify, evaluate, and address credit risk that arises from the development, deployment, interpretation, and maintenance of Credit Risk Policy in support of new products/program development, portfolio performance issues, product enhancements, changes to the industry and regulatory landscape, and business operations

Governance & Oversight

Support GRM effective challenge function, ensure Credit Risk Proposals are prepared with strong financial and quantitative analysis, and that risks are effectively assessed and measured.
Obtain an understanding of the Unsecured Credit strategies and policy, recommend enhancements, and document new processes and workflows to support succession planning.
Support investigations and solutioning for questions/findings from OSFI and Internal Audit in an appropriate /acceptable timeframe.

Inclusion & Scotiabank Values

Actively pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, our ScotiaBond, our Code of Conduct and vendor management policies while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk
Champions a high-performance environment and contributes to an inclusive work environment.

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

A university degree is required (preferably a major with computer science, engineering economics, finance, or business)
2+ years in retail lending, technology, or risk management experience required
Experience in FICO based technologies such as Originations Manager, Triad, Decision Modeler, Blaze etc. is a strong asset
Strong technical skills in database and analytics, and testing tools such as SAS, SQL, MongoDB, Tableau, Power BI, XML and Postman; experience with non-relational databases and working knowledge of programming languages such as NodeJS, python, Java etc. is a strong asset
Excellent communication and business writing skills complemented with solid logical/deductive reasoning, sound judgement and creativity
Strong personal time management skills and curiosity to learn, explore, and discover is a must
Functional knowledge of retail credit risk lifecycles, credit and behaviour scoring, credit risk model designs and applications
Familiarity with project management techniques and agile working framework is an asset

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

The manager will develop and implement credit risk strategies for the unsecured portfolio while driving digital risk automation and ensuring compliance with regulatory frameworks. They will collaborate with cross-functional teams to perform portfolio analytics, simulation testing, and post-implementation validation to optimize risk and return.

Requirements

Candidates must hold a university degree in a field such as computer science, engineering, economics, finance, or business. A minimum of 2 years of experience in retail lending, technology, or risk management is required, along with proficiency in FICO-based technologies and data analytics tools.

Skills

Credit risk strategy
Retail lending
FICO DMP
SAS
SQL
Python
MongoDB
Power BI
Tableau
Data analysis
Change management
Risk appetite framework
Project management
Agile methodology
Regulatory compliance
Financial analysis

Benefits

Performance bonus
Employee share ownership program
Pension plan matching
Health benefits

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Unsecured Portfolio
FICO
SAS
SQL
Python
MongoDB
Power BI
Tableau
NodeJS
Java
XML
Postman
Risk Appetite Framework
Digital Risk Automation
Retail Lending
Portfolio Analytics
Simulation Testing
Change Management
Agile
Regulatory Compliance
OSFI
Internal Audit
Financial Analysis
Quantitative Analysis
Credit Scoring
Behaviour Scoring
Strategy Enablement
Canadian Banking
Vendor Management

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