Manager, Portfolio Optimization/ IB Retail Payments / IB Retail & Digital Business (Bilingual)

Scotiabank; Torreón; Presencial; MXN 200,000 - 400,000; Jornada completa

Descripción de la vacante

A leading bank in the Americas is seeking a Manager, Portfolio Optimization to enhance the performance of its credit and debit card portfolios. This role involves developing dashboards, conducting portfolio analysis, and collaborating with cross-functional teams. Candidates should have strong analytical and presentation skills, as well as a solid understanding of the payments ecosystem. Bilingual proficiency in English and Spanish is essential. Join an inclusive team committed to empowering clients and communities.

Formación

• Experience in credit and debit card products and payments ecosystem.
• Strong analytical skills and multitasking abilities.
• Excellent negotiation skills.

Responsabilidades

• Develop and maintain payments-related dashboards and reports.
• Conduct in-depth analysis of portfolio for optimization.
• Collaborate with teams for seamless implementation of strategies.
• Analyze effectiveness of strategies for improvement.

Conocimientos

Data analysis

Financial modeling

Presentation skills

Bilingual (English/Spanish)

Educación

3 years experience in payments

Herramientas

Microsoft Office (Word, Excel, PowerPoint)

Power BI

SQL

Descripción del empleo

Purpose

The Manager, Portfolio Optimization supports the Senior Manager, Portfolio Optimization to increase the performance and profitability of the issuing portfolio (credit & debit) and the overall success of the Issuing & Payment Networks Area within Retail Payments Department in International Banking, ensuring that individual goals, plans, and initiatives are executed in compliance with governing regulations, internal policies, and procedures.

Accountabilities

• Develop and maintain payments‑related dashboards and reports from networks and IB data, consolidating extraction of data from multiple sources.
• Conduct in‑depth analysis of the credit card portfolio to identify opportunities for portfolio optimization, including product mix adjustment, MCC penetration, fee structures, low authorization, etc.
• Monitor the impact of optimization initiatives on portfolio performance and adjust as needed to achieve desired outcomes, thereby increasing portfolio profitability.
• Collaborate with cross‑functional teams (tech, ops, finance, risk) to ensure seamless implementation of optimization strategies across portfolios.
• Analyze the effectiveness of portfolio strategies and provide insight to senior management on areas for improvement.
• Build and maintain robust financial models to forecast portfolio performance and assess the impact of different strategies.
• Understand how the Bank’s risk appetite and risk culture should be considered in day‑to‑day activities and decisions.

Education / Experience / Other Information

• At least 3 years of working experience in payments (credit and debit cards) with a strong understanding of products, benefits, pricing, P/L drivers, and the payments ecosystem.
• Strong analytical skills with expertise in data analysis, financial modeling, and scenario analysis.
• Demonstrated multitasking abilities in a team‑based environment.
• Excellent presentation, writing, and negotiation skills.
• Business Intelligence experience with working knowledge of Microsoft Office suite (Word, Excel, and PowerPoint).
• Knowledge of Power BI and capacity to manage simple databases in SQL.
• Bilingual (English/Spanish) as an essential requirement.

Location

Ubicación(s): México : Ciudad de México : Mexico

Scotiabank is a leading bank in the Americas. Inspired by our corporate purpose, "for our future," we help our clients, their families, and communities achieve success through a comprehensive range of advisory, products, and services in the personal and commercial banking, wealth management, private banking, corporate and investment banking, and capital markets sectors.

In Scotiabank we value the unique skills and experiences each person brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require any adaptation during the recruitment process, such as an accessible interview venue, documents in alternative formats, a sign language interpreter, or assistive technology, please inform our Recruitment team.

Bajo ninguna circunstancia solicita pruebas de embarazo, ni de VIH

We appreciate your interest. However, only selected candidates will be contacted for an interview.

Si necesitas algún tipo de adaptación en temas de accesibilidad durante el proceso, indícalo a nuestro equipo de Atracción de Talento.