Manager, Customer Risk Analytics, Retail Credit Risk

Scotiabank Global Site; Toronto; On-site; CAD 80,000 - 120,000; Full time

Job summary

A leading banking institution is seeking a Manager for Customer Risk Analytics in Toronto. This role involves monitoring and analyzing retail credit portfolios to deliver actionable insights. Candidates should have extensive experience in analytics using tools like SAS and Python, along with strong communication skills. The position offers opportunities to work with multiple stakeholders and contribute to risk management strategies.

Qualifications

• In-depth analytics experience and solid business acumen required.
• Proactive self-directed and able to work independently.
• Knowledge of banking lending products such as Credit Cards and Mortgages.
• Ability to extract and interpret data into actionable business insights.
• Exceptional oral and written communication skills.

Responsibilities

• Deliver customer level analysis for actionable insights and risk analytics.
• Provide dynamic reporting on key performance metrics to stakeholders.
• Collaborate with teams for measurement and reporting on strategic initiatives.
• Use analytics tools to identify portfolio trends and communicate results.
• Develop risk management strategies to optimize risk and revenue.

Skills

SAS

Python

SQL

Excel

Tableau

R

Education

Bachelor's Degree in Math, Engineering, Computer Science, Marketing, Economics, or Statistics

Tools

Power BI

Job description

Overview

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

The Manager Customer Risk Analytics Retail Credit Risk GRM is responsible in monitoring conducting analysis and making fact-based recommendations across Retail Credit portfolios. The incumbent will deliver customer level analysis in order to provide holistic actionable insights and product-specific risk analytics. Analytics will include but not limited to monthly monitoring on balances delinquency portfolio and acquisition credit quality. The role is highly technical and requires expert SAS / Python data analytics and BI tools skills. The incumbent will deliver ongoing portfolio reporting and monitoring to senior management as well as address ad-hoc data requests. This role works with multiple stakeholders and partners within and outside Scotiabank.

Responsibilities

Retail Credit Risk Portfolios Tracking & Reporting

• Use a variety of analytical and reporting tools (ex. SAS Python Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines.
• Respond to adhoc requests from executives and key stakeholders with a sense of urgency. Perform required data pulls reconciliations to answer questions. Prioritization and working on more than one request at a time is often required.
• Provide actionable insights and meaningful messages from the reporting to drive credit risk decisions. Able to tell a story by synthesizing vast amounts of data into coherent messages.
• Proactively provide strategic analysis that will assist in optimizing risk rewards ratios and grow the portfolios.
• Collaborate with Acquisition Account Management and Collections teams to provide measurement and reporting on strategic initiatives such as acquisition dynamics and quality line optimization and collections effectiveness

Customer Risk Analytics

• Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships systems and knowledge.
• Identification of portfolio trends and key statistics using advanced analytics; Effective and timely communication of strategic and operational results to the business teams
• Provide analytical support on a regular and ad-hoc basis focusing on driving business growth and profits and minimizing loss
• Leverage internal / external analytics tools as well current macroeconomic & industry trend to evaluate its impact on customer & profitability of the bank; keep senior management abreast with these insights and recommendation to mitigate those risks
• Work closely with Global Risk Management teams to understand intrinsic & external risk factors for the lending portfolio; develop risk management strategies to optimize risk and revenue
• Using our data continually develop and refine a more holistic customer view.

Qualifications

• In-depth analytics experience and solid business acumen are required. Extensive analytics and decision support experience is strongly preferred along with a comprehensive understanding of portfolio optimization and financial P&L levers.
• Proactive self-directed and able to work independently as well as collaboratively in a team
• The incumbent must have a good knowledge of the banks lending products including Credit Cards Line of Credits Mortgages and Auto Loans and should have familiarity with the Banks Risk Management activities.
• Proficiency utilizing a variety of analytical tools including Python R SAS SQL and Excel and a solid knowledge and understanding of advanced analytical concepts and methodologies.
• A proven ability to extract and interpret data; transform it into meaningful and actionable business insights effectively and accurately.
• Exceptional oral and written communication skills with a demonstrated ability to present and translate highly technical concepts to a wide audience.
• A strong sense of urgency and a proven ability to understand and effectively assess multiple ongoing requests.
• Strong prioritizing planning analytical presentation project management people management and relationship building skills
• Proven track record of success in maintaining leading and motivating a productive team of analytics professionals.
• Displays a high level of analytical maturity and sophistication financial acumen and a solid understanding of profit drivers KPIs and other factors that will contribute to successful growth initiatives.
• Bachelors Degree in Math Engineering Computer Science Marketing Economics or Statistics
• 2 years analytical experience required
• 2 years experience in Database Marketing and / or Risk Analytics
• Must be proficient with MS Office SAS / Python SQL Power BI Tableau
• Strong prioritizing planning analytical presentation project management people management and relationship building skills
• 2 years experience in Retail Products (preferred)

Location

Canada: Ontario: Toronto

EEO & Accommodation Statement

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.

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.