Subdirección COE Modelos y Analítica de Riesgo Crédito Retail

Scotiabank; Ciudad de México; On-site; MXN 1,400,000 - 2,000,000; Full time

Job summary

Scotiabank Mexico City seeks a senior leader to drive advanced retail credit risk modelling within the International Banking COE. You will coordinate multi-country initiatives, translate complex analyses into actionable insights, and promote best practices across the region.

You’ll oversee model governance, feature engineering, and performance monitoring, while presenting executive materials to risk committees and senior management.

Qualifications

• Bachelor’s degree in Statistics, Mathematics, Actuarial Science, Economics, Engineering, Data Science, Computer Science or related field.
• 7+ years of credit risk modelling, scorecards and analytics in financial services.
• Knowledge of model governance, validation and IFRS 9 / Basel considerations.
• Experience coordinating multi-country initiatives and influencing without authority.
• Excellent analytical and problem-solving skills and communication abilities.

Responsibilities

• Lead complex analyses of advanced retail credit risk models and scorecards.
• Coordinate regional COE initiatives with International Banking country teams and stakeholders.
• Develop diagnostics and recommendations to improve model performance and calibration.
• Prepare and present executive materials for senior management and risk committees.
• Foster consistent decision-making and governance across the region.

Skills

Credit risk analytics

Statistical modelling

Stakeholder management

SQL/Python

Education

Bachelor's degree in Statistics/Math/CS/Economics

Master's degree (asset)

Tools

Python

SQL

IFRS9

Job description

Purpose

Contributes to the overall success of the International Banking Retail Credit Risk Models & Analytics Centre of Excellence (COE), ensuring that specific individual goals, plans and initiatives are executed or delivered in support of the regional strategy for modelling, advanced analytics and risk management. Acts as a technical expert, regional coordinator and trusted deputy to the Director, Model Development, leading complex analyses, coordinating initiatives with teams in Mexico, Peru, Chile, Uruguay and the Caribbean, and promoting methodological consistency, performance monitoring and the adoption of best practices. Ensures that all activities are conducted in compliance with applicable regulations, internal policies and established procedures.

Accountabilities

• Champions a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Leads advanced retail credit risk model analyses, including application scorecards, behavioural models, PD, LGD, EAD, limit assignment, decision systems and monitoring tools, translating technical results into actionable recommendations.
• Coordinates regional COE initiatives with International Banking country teams and with Model Risk Management, Data & Analytics, Technology and Global Risk, ensuring alignment, timely follow-up and consistency in execution.
• Acts as the Director’s trusted deputy in managing the COE, anticipating risks and dependencies, preparing analyses to support decision-making, and representing the Director in technical or working forums as required.
• Develops diagnostics and recommendations to identify opportunities to improve model performance, stability, segmentation, calibration, use and strategy, escalating deviations or emerging risks in a timely manner.
• Supports the definition and implementation of model governance standards, methodologies, documentation, controls and practices, ensuring alignment with global guidelines, independent validation, audit and regulatory expectations.
• Prepares and presents executive and technical materials for senior management, risk committees and country teams, communicating complex matters clearly and promoting consistent decision-making across the region.
• Provides cross-functional leadership for advanced analytics, machine learning, decision automation, alternative data integration and the enhancement of analytical capabilities within the COE.
• Understands how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Conducts effective and efficient operations in their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, compliance and effectiveness of day-to-day business controls to meet obligations related to operational risk, regulatory compliance risk, anti-money laundering and anti-terrorist financing risk, and conduct risk.
• Fosters a high-performance environment and contributes to an inclusive workplace.

Experience

Bachelor’s degree in Statistics, Mathematics, Actuarial Science, Economics, Engineering, Data Science, Computer Science or a related discipline; a master’s degree is considered an asset.

• Minimum of seven years of experience in credit risk modelling, scorecards, advanced analytics or model lifecycle management within the financial services industry.
• Strong knowledge of retail credit risk models, statistical techniques, machine learning, segmentation, calibration and performance monitoring.
• Knowledge of model governance and validation, technical documentation and applicable regulatory frameworks, including IFRS 9 and Basel considerations.
• Experience coordinating complex initiatives in matrixed, multicultural and multi-country environments, with a demonstrated ability to influence without direct authority.
• Excellent analytical and problem-solving skills, with the judgement to identify risks, prioritize issues and formulate executive recommendations.

Outstanding verbal and written communication skills, with the ability to translate technical concepts for executive and non-technical audiences.