Analytics Manager: Retail Credit Risk, Unsecured Lending

Scotiabank; Toronto; On-site; CAD 90,000 - 120,000; Full time

Job summary

A leading financial institution in Toronto is seeking a dynamic Manager for Analytics in Retail Credit Risk Unsecured Lending. You will innovate credit risk strategies and lead advanced analytics to optimize the lending portfolio. The ideal candidate has strong analytical skills, a background in risk management, and experience with data visualization tools. Competitive benefits include a performance bonus and career development opportunities.

Benefits

Performance bonus

Employee Share Ownership Program

Pension Plan Matching

Health Benefits from day one

Qualifications

• Minimum 2-5 years of experience in risk/portfolio management, preferably within retail lending.
• Demonstrated ability to translate complex data into dashboards and actionable insights.
• Strong understanding of credit principles and experience designing impactful strategies.

Responsibilities

• Develop and enhance credit risk strategies using predictive models.
• Dive into portfolio performance and customer behaviour trends.
• Streamline decisioning criteria for approvals and declines.
• Work closely with various teams to communicate risk measures.
• Ensure lending strategies align with the Bank’s Risk Appetite Framework.
• Maintain adherence to regulatory standards and internal audit requirements.

Skills

Analytical programming and database tools (SAS, SQL, Python)

Communication skills

Relationship management

Analytical problem-solving

Team collaboration

Education

Bachelor’s degree or higher, or equivalent work experience

Tools

SAS

SQL

Python

Tableau

Power BI

Excel (Pivot Tables)

Job description

A leading financial institution in Toronto is seeking a dynamic Manager for Analytics in Retail Credit Risk Unsecured Lending. You will innovate credit risk strategies and lead advanced analytics to optimize the lending portfolio. The ideal candidate has strong analytical skills, a background in risk management, and experience with data visualization tools. Competitive benefits include a performance bonus and career development opportunities.