GTB - Portfolio Optimization Internship/Co-Op - Winter 2027

Scotiabank; Toronto; On-site; CAD 23,000 - 36,000; Full time

Benefits offered by this job

Scotia Student Day

Lunch & Learns

Job summary

Scotiabank in Toronto, Canada offers an internship/co-op in Global Transaction Banking (GTB). The role focuses on portfolio analytics, pricing, and financial performance analysis, with exposure to Excel and Power BI to build data-driven insights.

You will identify revenue opportunities and support cross-functional teams across pricing, finance, and analytics. The program emphasizes hands-on learning, collaboration, and development within a diverse and high-performing team.

Qualifications

• Currently enrolled in post-secondary education in Business, Economics, Analytics or a related field.
• Strong analytical skills with an interest in portfolio analytics, pricing, and financial performance analysis.
• Working knowledge of Excel and financial modeling techniques; exposure to dashboards or reporting tools (Power BI) is an asset.

Responsibilities

• Contributes to the overall success of the Global Business Payment Product Portfolio in Canada by identifying new revenue streams, sizing new initiatives, addressing current product gaps, and finding cross product synergies.
• Support a customer-focused culture by contributing analysis that helps GTB teams better understand client behavior, product usage, and portfolio performance.
• Assist in analyzing the financial performance of GTB portfolios, including revenues, deposits, pricing outcomes, and profitability metrics.
• Support portfolio optimization initiatives by preparing data, maintaining models, and analyzing drivers of revenue, balances, and economic value (e.g., FTP).
• Work closely with pricing, finance, and analytics partners to support pricing reviews, profitability assessments, and identification of optimization opportunities.
• Assist in evaluating the economic and financial feasibility of portfolio actions or initiatives (e.g., pricing changes, product enhancements) through data collection and scenario analysis.
• Build, update, and maintain data-driven models, trackers, and dashboards to monitor key portfolio KPIs such as revenue, volumes, balances, and margins.
• Support the development of business cases and financial summaries by compiling analysis, assumptions, and supporting materials.
• Contribute to forecasting and planning activities by consolidating inputs, validating data, and supporting portfolio owners during planning cycles.
• Conduct research and analysis on internal performance trends, client behavior, and competitive benchmarks to support portfolio optimization discussions.
• Assist in identifying portfolio and product gaps by analyzing customer needs, market trends, and performance metrics.
• Prepare recurring portfolio performance summaries and materials to support internal reviews and management discussions.
• Build awareness of the Bank’s risk appetite and risk culture and apply this understanding in day-to-day analytical work.
• Ensure activities are performed in accordance with Scotiabank’s Values, Code of Conduct, Global Sales Principles, and applicable operational, compliance, AML/ATF/sanctions, and conduct risk requirements.

Skills

Analytical skills

Excel

Financial modeling

Data analysis

Power BI

Education

Post-secondary education in Business/Economics/Analytics

Tools

Power BI

Excel

Job description

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Please be advised that our Careers site will be unavailable from November 28 at 12am ET to November 29 12am ET for scheduled system maintenance.

Requisition ID: 272816

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

Term: January – April 2027

Work Hours/Week: 37.5

Application Deadline: 09/25/2026

There's no better way to kickstart your career than to do a co-op or internship with Scotiabank! During your work term, you’ll have the opportunity to be part of a winning team, build your network, and discover what you love – all while getting paid to do it! There’s a place for every type of student at Scotiabank and all that we ask for is that you have passion and strong AOO (Attitude, Ownership and Opportunity).

Global Transaction Banking (GTB) is the payments and transaction engine of Scotiabank. We support Small Business, Commercial, and Corporate clients with effective treasury management solutions coupled with a best-in-class service model, making it easy for clients to do business with us.

As businesses build their digital capabilities and transform their operating models, their payment needs are evolving too. Boasting a unique global footprint, GTB’s comprehensive suite of innovative banking solutions help our business clients generate operational efficiencies, streamline, and simplify payments, improve working capital performance, and mitigate financial risk.

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

• Contributes to the overall success of the Global Business Payment Product Portfolio in Canada by identifying new revenue streams, sizing new initiatives, addressing current product gaps, and finding cross product synergies.
• Support a customer-focused culture by contributing analysis that helps GTB teams better understand client behavior, product usage, and portfolio performance.
• Assist in analyzing the financial performance of GTB portfolios, including revenues, deposits, pricing outcomes, and profitability metrics.
• Support portfolio optimization initiatives by preparing data, maintaining models, and analyzing drivers of revenue, balances, and economic value (e.g., FTP).
• Work closely with pricing, finance, and analytics partners to support pricing reviews, profitability assessments, and identification of optimization opportunities.
• Assist in evaluating the economic and financial feasibility of portfolio actions or initiatives (e.g., pricing changes, product enhancements) through data collection and scenario analysis.
• Build, update, and maintain data-driven models, trackers, and dashboards to monitor key portfolio KPIs such as revenue, volumes, balances, and margins.
• Support the development of business cases and financial summaries by compiling analysis, assumptions, and supporting materials.
• Contribute to forecasting and planning activities by consolidating inputs, validating data, and supporting portfolio owners during planning cycles.
• Conduct research and analysis on internal performance trends, client behavior, and competitive benchmarks to support portfolio optimization discussions.
• Assist in identifying portfolio and product gaps by analyzing customer needs, market trends, and performance metrics.
• Prepare recurring portfolio performance summaries and materials to support internal reviews and management discussions.
• Build awareness of the Bank’s risk appetite and risk culture and apply this understanding in day-to-day analytical work.
• Ensure activities are performed in accordance with Scotiabank’s Values, Code of Conduct, Global Sales Principles, and applicable operational, compliance, AML/ATF/sanctions, and conduct risk requirements.

Do you have the skills and requirements that will enable you to succeed in this role? – We’d love to work with you if:

• You are currently enrolled in post-secondary education in Business, Economics, Analytics or a related field.
• You love to learn and envision yourself working for an international organization that heavily invests in your future.
• You enjoy being involved in extracurricular activities such as conferences, clubs, competitions, and/or hackathons
• You have strong analytical skills with an interest in portfolio analytics, pricing, and financial performance analysis.
• You have working knowledge of Excel and financial modeling techniques; exposure to dashboards or reporting tools (e.g., Power BI) is an asset.
• You have the ability to analyze data, identify trends, and summarize insights clearly for internal stakeholders.
• You have a strong attention to detail and ability to manage multiple analytical tasks.
• You have an interest in Global Transaction Banking products such as payments, cash management, and deposits.

What’s in it for you?

• You’ll be part of a diverse, collaborative, innovative, and high-performing team.
• In-depth training to prepare you for the role, as well as ongoing coaching and feedback to help you succeed!
• Exclusive student events such as Scotia Student Day, Lunch & Learns, leadership panels, and much more!
• Bank-wide orientation to learn more about Scotiabank and gain exposure to senior leadership across the organization.

For students applying to our internship/co- op or new graduate programs, we do not require resumes! We believe in evaluating you through relationships over resumes and are focused on learning about who you are and what you’re interested in to uncover your true potential.

*To be considered for student opportunities at Scotiabank, Tangerine, and MD Financial you must complete all steps above.

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. 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.

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.

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