Manager, Analytics and BI

Scotiabank; Toronto; On-site; CAD 90,000 - 140,000; Full time

Benefits offered by this job

DEI & Allyship

Workplace accessibility

Upskilling & tuition assistance

Competitive rewards

Community engagement

Job summary

Scotiabank in Toronto is seeking a Manager, Analytics & BI to lead portfolio analytics across Credit Card and Unsecured Lending, focusing on portfolio health, profitability, and customer behaviour. You will oversee tracking, reporting, and insights that drive portfolio optimization and business decisions.

Collaborate with Finance, Product, Risk, Marketing, and technology teams to translate data into actionable recommendations.

Qualifications

• 4+ years of experience in Analytics, Marketing, or Finance with strong analytical and statistical skills.
• Solid understanding of lending products (Credit Cards, Lines of Credit) and familiarity with Risk Management practices.
• Proficiency with analytical tools and technologies, including GCP/Big Data environments, Python, R, SAS, SQL, and Excel.
• Strong communication skills and ability to present technical concepts to diverse audiences.

Responsibilities

• Lead recurring reporting and deep-dive analysis on portfolio performance, including engagement, profitability, and health metrics.
• Translate portfolio performance trends into concise insights and recommendations for business partners and senior leadership.
• Identify drivers of portfolio changes and distinguish impacts from acquisition, customer behaviour, product mix, pricing, utilization, macroeconomics, and risk.

Skills

Analytics experience

Data storytelling

Cross-functional collaboration

Education

Bachelor's degree in Computer Science, Finance, Economics, Business, Engineering, Statistics

Tools

GCP/Big Data

Python

R

SAS

SQL

Excel

Job description

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

Portfolio Management, Performance Tracking & Data-Driven Insights

Requisition ID: 272172

The Role

The Manager, Analytics & BI supports portfolio management analytics across Credit Card and Unsecured Lending portfolios, with a focus on monitoring portfolio health, profitability, and customer behaviour. The incumbent will lead tracking, reporting, and insight generation on how back book and front book dynamics influence portfolio performance, customer mix, and revenue outcomes. This role partners closely with Finance, Product, Risk, Marketing, business, operations, and technology teams to translate data into actionable insights and recommendations that support portfolio optimization and business decision‑making.

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

Portfolio Management, Performance Tracking & Data-Driven Insights

• Support portfolio management analytics across Credit Card and Unsecured Lending portfolios, including ongoing tracking of performance, profitability, customer behaviour, and key portfolio health indicators.


• Define, maintain, and enhance portfolio health scorecards and KPI frameworks to monitor customer, account, and financial performance trends.


• Conduct back book, front book, cohort, and vintage analysis to understand how customer groups and portfolio mix are evolving over time.


• Identify emerging portfolio trends, risks, and opportunities across customer segments, products, channels, vintages, and behavioural groups to inform business priorities and portfolio optimization strategies.


• Provide regular and ad hoc analytical support on portfolio performance, profitability, and customer behaviour in partnership with Finance, Product, Risk, Marketing, and business teams.


• Develop clear insights and recommendations to support portfolio growth, customer engagement, retention, balance management, and customer value creation.


• Manage and prioritize recurring reporting deliverables, portfolio deep dives, and ad hoc analysis requests from internal stakeholders and business partners.

Reporting, Insights & Portfolio Analytics

• Lead recurring reporting and deep-dive analysis on portfolio performance, including customer engagement, utilization, transactor versus revolver behaviour, profitability, and other key health metrics.


• Translate portfolio performance trends into concise insights and recommendations for business partners and senior leadership, with clear articulation of drivers, risks, opportunities, and implications for portfolio strategy.


• Identify key drivers of portfolio changes and distinguish between acquisition, customer behaviour, product mix, pricing, utilization, macroeconomic, and risk impacts.


• Partner with Finance and business teams to assess profitability, revenue drivers, customer value, and the financial implications of portfolio mix changes.


• Develop forward-looking indicators and early-warning views to identify emerging risks and opportunities across the portfolio.


• Monitor macroeconomic and industry trends to assess their impact on portfolio performance and profitability.


• Work with Global Risk Management to understand risk drivers and support strategies that balance growth, risk, and return.

Customer Focus, Risk Management & Controls

• Champion a customer focused culture and leverage broader bank capabilities to deepen client relationships.


• Consider the Bank’s risk appetite, policies, and controls in day to day decisions and analysis.


• Ensure effective business controls, including operational risk, regulatory compliance, AML/ATF, and conduct risk, in alignment with the Bank’s risk frameworks.

Skills

• Bachelor’s degree in Computer Science, Finance, Economics, Business, Engineering, Statistics, or related field. MBA, CFA, FRM, or Master’s in Analytics preferred.


• 4+ years of experience in Analytics, Marketing, or Finance, with strong analytical and statistical skills.


• Solid understanding of the bank’s lending products (Credit Cards, Lines of Credit) and familiarity with Risk Management practices.


• Proficiency with analytical tools and technologies, including GCP/Big Data environments, Python, R, SAS, SQL, and Excel.


• Experience working with large-scale account-level, customer-level, transaction-level, and financial performance data to support portfolio analytics and business decision-making.


• Proven ability to extract, interpret, and translate data into meaningful, actionable business insights.


• Demonstrated ownership mindset, structured problem-solving approach, and motivation to learn, grow, and continuously improve.


• Strong communication skills with the ability to present technical concepts to diverse audiences.


• Excellent prioritization, planning, presentation, project management, people leadership, and relationship building skills; consulting experience is an asset.

What\'s in it for you?

• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.


• Accessibility and Workplace Accommodations - 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.


• Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.


• Upskilling through online courses, cross-functional development opportunities, and tuition assistance.


• Competitive Rewards program including bonus, flexible vacation, personal, sick days and benefits will start on day one.


• Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, Humans of Digital and much more!

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 our 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.

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.