Manager, Global Small Business Credit Risk Analytics & Reporting

Requisition ID: 247915

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

The mandate of this role is to oversee the Portfolio Risk Analytics & Reporting for the Automotive Lending and Business Banking portfolios to optimize risk/return within Global Risk Management to support Canadian Banking strategic this role the incumbent will develop and monitor key performance indicators of the portfolios scrutinized through different lenses to maximize risk adjusted return while managing portfolio PCL.

The incumbent will provide the team along with business line partners advanced data assessment monitoring and measurement on the health of the portfolios to ensure strategies and policies are within the Risk Appetite Framework.

This position plays a key role by using data systems research and analysis to identify portfolio trends risk and opportunities by setting prudent risk controls and actionable tactics.

The Manager will proactively contribute to portfolio risk oversight by delivering comprehensive analytics that measure customer performance across multiple dimensions. The role is highly technical and requires expert SAS/SQL data analytics and BI tool skills.

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

1. Portfolio Analytics and Reporting

Use a variety of Business Intelligence analytical and reporting tools (i.e. SAS Python Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines. Lead new report creation and look for opportunities to optimize workstream through automation.

Maintain performance monitoring on new accounts acquired through different channels and special programs; ensure performance align with targets explain discrepancies/ emerging trends that may impact portfolio health (short term and long term).

Analyze strategy effectiveness and proactively identify if any risk segments are or will impact provisioning estimates as vintages mature.

Respond to adhoc requests from executives and key stakeholders with a sense of urgency. Perform required data pulls reconcile and validate 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.

Identify opportunities and propose innovative risk strategies with focus on risk/return asset-based lending with building a robust and competitive portfolio in mind.

Prepare/update/review portfolio monitoring decks and executive reports and ensure reporting accuracy with appropriate narration & commentary.

Review and conduct analysis of existing policy and procedures to identify promote and lead opportunities to maintain credit quality improve efficiency and effectiveness of originations procedures including streamlining automating and standardization; recommend changes to enhance performance and overall customer experience.

2. Compliance Governance and Regulatory

Support investigations and solutioning for questions/findings from OSFI Internal Audit Policy Adherence & Effectiveness (PAE) and ACE with appropriate data/reports including preparation of Audit/OSFI closure package in an appropriate /acceptable timeframe.

Liaise with the Fraud Department Corporate Security and Collections to prepare portfolio specific First Party Credit Fraud Credit Abuse Fraud and Synthetic ID Fraud monitoring KRIs and reports to identify and regularly report on high-risk accounts.

3. Support Business Line Initiatives/projects

Ensure all business line strategic projects (i.e. new product launches changes to existing product offerings new channels cross-functional projects new acquisition framework policy change initiatives) are consistent with Risk Appetite Framework. Recommend changes to business line strategies to ensure the Bank does not take on more credit risk than planned.

Represent Risks point of view and liaise with the stakeholders (operations product owners collections technology governance) throughout the organization to listen actively communicate and explain risk measures clearly and as appropriate identify evaluate and address credit risk that arises from the development deployment interpretation and maintenance of Credit Risk Policy in support of new products/program development portfolio performance issues product enhancements changes to the industry and regulatory landscape and business operations.

Support GRM effective challenge function ensure Credit Risk Proposals are supported with strong financial and quantitative analysis credit risks are effectively assessed and measured. Conduct in-depth analysis on special programs and support policy enhancement.

Prepare and assess credit risk proposals and providing Senior Management with sound recommendations for changes to core policies regulations and major business initiatives and portfolio level decisions that require GRMs authorization. This includes assessment of new program/product new pilots or pilot extension or program renewals etc. .

Do you have the skills that will enable you to succeed We would love to work with you if you have:

• A minimum of two years with an organization focused on improving the customer experience and automating processes with a proven track record using analytical tools to conduct data analysis and generate business insights
• Proficiency in programming and/or database programs (SAS SQL)
• Strong personal time management skills and curiosity to learn explore and discover is a must
• Excellent communication and written skills complemented with analytical & problem-solving skills consistent with the ability to identify key issues from a broad range of alternatives as well as recommend optimal solutions for various situations
• Knowledge of credit bureau reporting credit scoring and risk assessment as well as portfolio management and behaviour scoring to maximize the effectiveness of existing technology in providing competitive and effective policies that respond to the credit needs of our customers
• Prior experience in a retail lending environment or credit risk management is preferred
• Must have a University degree in relevant STEM discipline (Science Technology Engineering and Mathematics) or a Master degree in business statistics economics mathematics management sciences or analytics

Whats in it for you

• The opportunity to join a forward-thinking bank surrounded by a collaborative team of innovative thinkers.
• A rewarding career path with diverse opportunities for professional development.
• Internal development to support your growth and enhance your skills.
• An organization committed to making a difference in our communities for you and our customers.
• We have an inclusive and collaborative working environment that encourages creativity curiosity and celebrates success!

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.

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. If you require technical assistance please click here. Candidates must apply directly online to be considered for this role. 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.