Title:  Director Collections Caribbean Retail & Small Business

Requisition ID: 248723

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

#SBDR

Purpose

The Regional Director of Collections Risk Retail & Small Business for the Caribbean is responsible for shaping and executing strategies that optimize recovery performance across multiple jurisdictions, while ensuring alignment with the Bank’s risk appetite, regulatory requirements, and customer-centric values. This role demands strong leadership, strategic thinking, and the ability to influence senior stakeholders to drive transformation and operational excellence. 

Accountabilities

• Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

• Define and execute regional collections strategies

- Develop and implement comprehensive collections strategies across eight Caribbean countries, leveraging advanced analytics, predictive modeling, and market intelligence.

- Continuously assess macroeconomic trends, regulatory changes, and portfolio performance to adjust strategies for maximum efficiency and profitability.

- Influence senior leadership to reengineer processes, ensuring alignment with the Bank’s strategic objectives and operational standards.

• Oversee the full collections lifecycle

- Manage all stages of the collections process, from pre-delinquency prevention to post-write-off recovery.

- Drive automation and digital transformation initiatives to enhance recovery rates, reduce operational costs, and improve customer experience.

- Ensure compliance with local regulations and internal risk frameworks across all jurisdictions.

• Foster a customer-focused culture

- Promote practices that balance risk mitigation with maintaining strong client relationships.

- Leverage the Bank’s broader capabilities and systems to deliver sustainable solutions for clients while protecting portfolio quality.

• Embed risk culture and appetite in decision-making

- Ensure all strategies and operational decisions reflect the Bank’s risk appetite and adhere to established governance standards.

- Proactively identify emerging risks and implement mitigation plans to safeguard the Bank’s interests.

• Build and lead high-performing teams

- Design and execute a people strategy that attracts, retains, and develops top talent in collections and risk
management.

- Foster an inclusive and collaborative work environment, applying coaching principles to enhance team capabilities.

- Manage succession planning and career development initiatives to ensure organizational resilience and continuity.

• Act as a trusted advisor and strategic partner

- Serve as a key advisor to executives and business partners on collections risk matters.

- Maintain strong relationships with internal stakeholders, external vendors, and regulatory authorities to drive collaboration and achieve shared objectives.

- Represent the region in global forums, contributing to policy development and strategic initiatives that impact collections and risk management.

Skills

• Master’s degree in Finance, Business, or Risk Management preferred.

• Extensive, hands‑on experience in Collections is essential, designing and leading collections strategies and operations, complemented by exposure to risk management and financial services.

• Expertise in Retail & Small Business credit products and regulatory compliance.

• Strong analytical, leadership, and strategic thinking skills.

• Bilingual (Spanish/English).

Location(s):  Bahamas : Abaco : Marsh Harbour || Bahamas : Andros : Nicholls Town || Bahamas : Exuma : George Town || Bahamas : Grand Bahama : Freeport || Bahamas : New Providence : Nassau || Cayman Islands : Cayman Islands : George Town || Cayman Islands : Cayman Islands : West Bay || Chile : Antofagasta : Antofagasta || Chile : Antofagasta : Calama || Chile : Araucanía : Temuco || Chile : Arica and Parinacota : Arica || Chile : Atacama : Copiapó || Chile : Biobío : Arauco || Chile : Biobío : Chillán || Chile : Biobío : Concepción || Chile : Biobío : Los Ángeles || Chile : Biobío : Talcahuano || Chile : Coquimbo : Coquimbo || Chile : Coquimbo : La Serena || Chile : Coquimbo : Ovalle || Chile : Los Lagos : Osorno || Chile : Los Lagos : Puerto Montt || Chile : Los Ríos : Valdivia || Chile : Magallanes : Punta Arenas || Chile : Maule : Constitución || Chile : Maule : Curicó || Chile : Maule : Linares || Chile : Maule : Talca || Chile : Metropolitana : Cerrillos || Chile : Metropolitana : Conchalí || Chile : Metropolitana : La Florida || Chile : Metropolitana : La Reina || Chile : Metropolitana : Las Condes || Chile : Metropolitana : Lo Barnechea || Chile : Metropolitana : Maipú || Chile : Metropolitana : Melipilla || Chile : Metropolitana : Providencia || Chile : Metropolitana : Puente Alto || Chile : Metropolitana : San Bernardo || Chile : Metropolitana : San Joaquín || Chile : Metropolitana : San Miguel || Chile : Metropolitana : Santiago de Chile || Chile : Metropolitana : Talagante || Chile : Metropolitana : Vitacura || Chile : Metropolitana : Ñuñoa || Chile : O'Higgins : Rancagua || Chile : O'Higgins : San Fernando || Chile : O'Higgins : San Vicente || Chile : O'Higgins : Santa Cruz || Chile : Tarapacá : Iquique || Chile : Valparaíso : Cartagena || Chile : Valparaíso : La Ligua || Chile : Valparaíso : Los Andes || Chile : Valparaíso : Quillota || Chile : Valparaíso : San Felipe || Chile : Valparaíso : Valparaíso || Chile : Valparaíso : Villa Alemana || Chile : Valparaíso : Viña del Mar || Colombia : Bogota : Bogota || Dominican Republic : Azua : Azua || Dominican Republic : Dajabón : Dajabón || Dominican Republic : Distrito Nacional : Santo Domingo || Dominican Republic : Duarte : San Francisco de Macorís || Dominican Republic : Espaillat : Moca || Dominican Republic : La Altagracia : Bávaro || Dominican Republic : La Altagracia : Higüey || Dominican Republic : La Altagracia : Punta Cana || Dominican Republic : La Romana : Chavón || Dominican Republic : La Romana : La Romana || Dominican Republic : La Vega : La Vega || Dominican Republic : María Trinidad Sánchez : Nagua || Dominican Republic : Monseñor Nouel : Bonao || Dominican Republic : Peravia  : Baní || Dominican Republic : Puerto Plata : Cabarete || Dominican Republic : Puerto Plata : Puerto Plata || Dominican Republic : Samaná : Las Terrenas || Dominican Republic : Samaná : Samaná || Dominican Republic : San Cristóbal : San Cristóbal || Dominican Republic : San Juan : Aguadilla || Dominican Republic : San Juan : Bayamón || Dominican Republic : San Juan : Caguas || Dominican Republic : San Juan : Carolina || Dominican Republic : San Juan : Fajardo || Dominican Republic : San Juan : Guaynabo || Dominican Republic : San Juan : Hato Rey || Dominican Republic : San Juan : Manatí || Dominican Republic : San Juan : Mayaguez || Dominican Republic : San Juan : Ponce || Dominican Republic : San Juan : San Juan || Dominican Republic : San Juan : San Juan de la Maguana || Dominican Republic : San Juan : Trujillo Alto || Dominican Republic : San Juan : Vega Baja || Dominican Republic : San Pedro de Macoris : San Pedro de Macorís || Dominican Republic : Santiago : Santiago de los Caballeros || Dominican Republic : Santo Domingo : Santo Domingo East || Dominican Republic : Santo Domingo : Santo Domingo North || Dominican Republic : Santo Domingo : Santo Domingo West || Dominican Republic : Sánchez Ramírez  : Cotuí || Dominican Republic : Valverde : Mao || Jamaica : Clarendon : May Pen || Jamaica : Falmouth : Falmouth || Jamaica : Kingston : Kingston || Jamaica : Manchester : Christiana  || Jamaica : Manchester : Mandeville || Jamaica : Portland : Port Antonio || Jamaica : Saint James : Montego Bay || Jamaica : St. Ann : Brown’s Town || Jamaica : St. Ann : St. Ann’s Bay || Jamaica : St. Catherine : Linstead || Jamaica : St. Catherine : Old Harbour || Jamaica : St. Catherine : Portmore || Jamaica : St. Catherine : Spanish Town || Jamaica : St. Elizabeth : Black river || Jamaica : St. Elizabeth : Junction || Jamaica : St. Elizabeth : Santa Cruz || Jamaica : St. Mary : Highgate || Jamaica : St. Mary : Port Maria || Jamaica : St. Thomas : Morant Bay || Jamaica : Westmoreland : Negril || Jamaica : Westmoreland : Savanna-La-Mar || Mexico : Aguascalientes : Aguascalientes || Mexico : Baja California : Ensenada || Mexico : Baja California : Mexicali || Mexico : Baja California : Playas De Rosarito || Mexico : Baja California : Tijuana || Mexico : Baja California Sur : Cabo San Lucas || Mexico : Baja California Sur : La Paz || Mexico : Baja California Sur : San Jose Del Cabo || Mexico : Campeche : Cd Del Carmen || Mexico : Campeche : San Francisco de Campeche || Mexico : Chiapas : Comitan || Mexico : Chiapas : Huixtla || Mexico : Chiapas : Reforma || Mexico : Chiapas : San Cristóbal De Las Casas || Mexico : Chiapas : Tapachula || Mexico : Chiapas : Tuxtla Gutiérrez || Mexico : Chihuahua : Cd. Camargo || Mexico : Chihuahua : Cd. Juárez || Mexico : Chihuahua : Chihuahua || Mexico : Chihuahua : Cuauhtémoc || Mexico : Chihuahua : Delicias || Mexico : Chihuahua : Guachochic || Mexico : Chihuahua : Hidalgo del Parral || Mexico : Chihuahua : Jiménez || Mexico : Chihuahua : Juárez || Mexico : Chihuahua : Meoqui || Mexico : Chihuahua : Nuevo Casas Grandes || Mexico : Chihuahua : Parral || Mexico : Ciudad de México : Azcapotzalco || Mexico : Ciudad de México : Benito Juárez || Mexico : Ciudad de México : Colonia Polanco || Mexico : Ciudad de México : Coyoacán || Mexico : Ciudad de México : Cuajimalpa de Morelos || Mexico : Ciudad de México : Cuauhtémoc || Mexico : Ciudad de México : Cuuhtemoc || Mexico : Ciudad de México : Gustavo A. Madero || Mexico : Ciudad de México : Iztacalco || Mexico : Ciudad de México : Iztapalapa || Mexico : Ciudad de México : La Magdalena Contreras || Mexico : Ciudad de México : Mexico || Mexico : Ciudad de México : Miguel Hidalgo || Mexico : Ciudad de México : Milpa Alta || Mexico : Ciudad de México : Tlalpan || Mexico : Ciudad de México : Tláhuac || Mexico : Ciudad de México : V Carranza || Mexico : Ciudad de México : Venustiano Carranza || Mexico : Ciudad de México : Xochimilco || Mexico : Ciudad de México : Álvaro Obregón || Mexico : Coahuila : Abasolo || Mexico : Coahuila : Acuña || Mexico : Coahuila : Monclova || Mexico : Coahuila : Múzquiz || Mexico : Coahuila : Piedras Negras || Mexico : Coahuila : Sabinas || Mexico : Coahuila : Saltillo || Mexico : Coahuila : Torreón || Mexico : Colima : Colima || Mexico : Colima : Manzanillo || Mexico : Durango : Canatlán || Mexico : Durango : Cd. Lerdo || Mexico : Durango : Durango || Mexico : Durango : Gómez Palacio || Mexico : Durango : Santiago Papasquiaro || Mexico : Durango : Victoria de Durango || Mexico : Guanajuato : Acámbaro || Mexico : Guanajuato : Celaya || Mexico : Guanajuato : Guanajuato || Mexico : Guanajuato : Irapuato || Mexico : Guanajuato : León || Mexico : Guanajuato : Salamanca || Mexico : Guanajuato : San Francisco Del Rincón || Mexico : Guanajuato : San Miguel De Allende || Mexico : Guanajuato : Silao || Mexico : Guerrero : Acapulco de Juárez || Mexico : Guerrero : Chilpancingo de los Bravo || Mexico : Guerrero : Iguala || Mexico : Guerrero : Zihuatanejo De Azueta || Mexico : Hidalgo : Acatlán || Mexico : Hidalgo : Mineral De La Reforma || Mexico : Hidalgo : Pachuca de Soto || Mexico : Hidalgo : Tula de Allende || Mexico : Hidalgo : Tulancingo de Bravo || Mexico : Jalisco : Acatic || Mexico : Jalisco : Ameca || Mexico : Jalisco : Guadalajara || Mexico : Jalisco : Guzmán || Mexico : Jalisco : Lagos De Moreno || Mexico : Jalisco : Ocotlán || Mexico : Jalisco : Puerto Vallarta || Mexico : Jalisco : Tepatitlán De Morelos || Mexico : Jalisco : Tlaquepaque || Mexico : Jalisco : Tonalá || Mexico : Jalisco : Zapopan || Mexico : Michoacán : Acuitzio || Mexico : Michoacán : Apatzingán || Mexico : Michoacán : Jiquilpan || Mexico : Michoacán : La Piedad || Mexico : Michoacán : Lázaro Cárdenas || Mexico : Michoacán : Morelia || Mexico : Michoacán : Sahuayo || Mexico : Michoacán : Uruapan || Mexico : Michoacán : Zamora || Mexico : Michoacán : Zitácuaro || Mexico : Morelos : Cuautla || Mexico : Morelos : Cuernavaca || Mexico : Morelos : Jiutepec || Mexico : Morelos : Jojutla || Mexico : Morelos : Temixco || Mexico : México : Acambay || Mexico : México : Amecameca || Mexico : México : Atizapan || Mexico : México : Atizapán || Mexico : México : Atlacomulco || Mexico : México : Chalco de Díaz Covarrubias || Mexico : México : Chicoloapan || Mexico : México : Coacalco || Mexico : México : Cuautitlán || Mexico : México : Cuautitlán Izcalli || Mexico : México : Ecatepec || Mexico : México : Huixquilucan || Mexico : México : Ixtapaluca || Mexico : México : La Paz || Mexico : México : Lerma || Mexico : México : Metepec || Mexico : México : Naucalpan || Mexico : México : Nezahualcóyotl || Mexico : México : Nicolás Romero || Mexico : México : San Mateo Atenco || Mexico : México : Tecámac || Mexico : México : Texcoco || Mexico : México : Tianguistenco || Mexico : México : Tlalnepantla || Mexico : México : Toluca || Mexico : México : Tultitlán || Mexico : México : Valle De Bravo || Mexico : México : Valle de Chalco || Mexico : México : Zumpango || Mexico : Nayarit : Bahía De Banderas || Mexico : Nayarit : Tepic || Mexico : Nuevo León : Abasolo || Mexico : Nuevo León : Apodaca || Mexico : Nuevo León : Cadereyta Jiménez || Mexico : Nuevo León : Escobedo || Mexico : Nuevo León : Guadalupe || Mexico : Nuevo León : Linares || Mexico : Nuevo León : Montemorelos || Mexico : Nuevo León : Monterrey || Mexico : Nuevo León : Sabinas Hidalgo || Mexico : Nuevo León : San Nicolás De Los Garza || Mexico : Nuevo León : San Pedro Garza García || Mexico : Nuevo León : Santa Catarina || Mexico : Oaxaca : Juchitán De Zaragoza || Mexico : Oaxaca : Matías Romero || Mexico : Oaxaca : Oaxaca || Mexico : Oaxaca : Ocotlán de Morelos || Mexico : Oaxaca : Salina Cruz || Mexico : Oaxaca : San Pedro Pochutla || Mexico : Oaxaca : Santa Cruz Xoxocotlán || Mexico : Oaxaca : Santa María Huatulco || Mexico : Oaxaca : Tuxtepec || Mexico : Puebla : Atlixco || Mexico : Puebla : Francisco Z. Mena || Mexico : Puebla : Puebla || Mexico : Puebla : San Martín Texmelucan || Mexico : Puebla : San Pedro Cholula || Mexico : Puebla : Tehuacán || Mexico : Puebla : Tenampulco || Mexico : Puebla : Teziutlán || Mexico : Querétaro : El Marqués || Mexico : Querétaro : El Pueblito || Mexico : Querétaro : Querétaro || Mexico : Querétaro : San Juan Del Río || Mexico : Querétaro : Tequisquiapan || Mexico : Quintana Roo : Cancún || Mexico : Quintana Roo : Chetumal || Mexico : Quintana Roo : Cozumel || Mexico : Quintana Roo : Playa Del Carmen || Mexico : Quintana Roo : Tulum || Mexico : San Luis Potosí : S.L.P. || Mexico : San Luis Potosí : Valles || Mexico : Sinaloa : Culiacán || Mexico : Sinaloa : Guamuchil || Mexico : Sinaloa : Guasave || Mexico : Sinaloa : Los Mochis || Mexico : Sinaloa : Mazatlán || Mexico : Sonora : Caborca || Mexico : Sonora : Cd. Obregon || Mexico : Sonora : Guaymas || Mexico : Sonora : Hermosillo || Mexico : Sonora : Navojoa || Mexico : Sonora : Nogales || Mexico : Sonora : San Luis Río Colorado || Mexico : Tabasco : Comalcalco || Mexico : Tabasco : Macuspana || Mexico : Tabasco : Villahermosa || Mexico : Tamaulipas : Altamira || Mexico : Tamaulipas : Ciudad Madero || Mexico : Tamaulipas : González || Mexico : Tamaulipas : Mante || Mexico : Tamaulipas : Matamoros || Mexico : Tamaulipas : Nuevo Laredo || Mexico : Tamaulipas : Reynosa || Mexico : Tamaulipas : Río Bravo || Mexico : Tamaulipas : Tampico || Mexico : Tamaulipas : Valle Hermoso || Mexico : Tamaulipas : Victoria || Mexico : Tlaxcala : Apizaco || Mexico : Tlaxcala : Chiautempan || Mexico : Tlaxcala : Tlaxcala || Mexico : Veracruz : Acajete || Mexico : Veracruz : Acayucan || Mexico : Veracruz : Boca Del Río || Mexico : Veracruz : Coatzacoalcos || Mexico : Veracruz : Cuitláhuac || Mexico : Veracruz : Córdoba || Mexico : Veracruz : Huatusco || Mexico : Veracruz : Martínez De La Torre || Mexico : Veracruz : Minatitlán || Mexico : Veracruz : Orizaba || Mexico : Veracruz : Poza Rica De Hidalgo || Mexico : Veracruz : San Andrés Tuxtla || Mexico : Veracruz : Tlacotalpan || Mexico : Veracruz : Tuxpan || Mexico : Veracruz : Veracruz || Mexico : Veracruz : Xalapa || Mexico : Yucatán : Mérida || Mexico : Zacatecas : Fresnillo || Mexico : Zacatecas : Zacatecas || Peru : Ancash : Chimbote || Peru : Ancash : Huaraz || Peru : Apurímac : Circa || Peru : Arequipa : Arequipa || Peru : Arequipa : Camaná || Peru : Arequipa : Cayma || Peru : Arequipa : Cerro Colorado || Peru : Arequipa : José Luis Bustamante y Rivero || Peru : Arequipa : Paucarpata || Peru : Arequipa : Urb. Miraflores || Peru : Ayacucho : Ayacucho || Peru : Ayacucho : Huamanga || Peru : Cajamarca : Cajamarca || Peru : Cajamarca : Jaén || Peru : Callao : Callao || Peru : Callao : Ventanilla || Peru : Chiclayo : Chiclayo || Peru : Cusco : Cusco || Peru : Cusco : Wanchaq || Peru : Huancayo : Huancayo || Peru : Huanuco : Tingo Maria || Peru : Huánuco : Huánuco || Peru : Ica : Chincha Alta || Peru : Ica : Ica || Peru : Ica : Nazca || Peru : Ica : Pisco || Peru : Junín : Chanchamayo || Peru : Junín : Huancayo || Peru : Junín : Huaripampa || Peru : Junín : La Merced || Peru : Junín : Pichanaki || Peru : Junín : Tarma || Peru : Junín : Yauli || Peru : La Libertad : Ascope || Peru : La Libertad : Casa Grande || Peru : La Libertad : Chepén || Peru : La Libertad : El Porvenir || Peru : La Libertad : Santa Tecla || Peru : La Libertad : Trujillo || Peru : Lambayeque : Chepén || Peru : Lambayeque : Chiclayo || Peru : Lambayeque : Jose Leonardo Ortiz || Peru : Lambayeque : Lambayeque || Peru : Lima : Ate || Peru : Lima : Ate-Vitarte || Peru : Lima : Barranca || Peru : Lima : Barranco || Peru : Lima : Breña || Peru : Lima : Chorrillos || Peru : Lima : Comas || Peru : Lima : El Agustino || Peru : Lima : Huacho || Peru : Lima : Huaral || Peru : Lima : Ica || Peru : Lima : Independencia || Peru : Lima : Jesús María || Peru : Lima : La Molina || Peru : Lima : La Victoria || Peru : Lima : Lima || Peru : Lima : Lince || Peru : Lima : Los Olivos || Peru : Lima : Lurín || Peru : Lima : Magdalena del Mar || Peru : Lima : Miraflores || Peru : Lima : Piura || Peru : Lima : Pueblo Libre || Peru : Lima : Pueblo Libre  || Peru : Lima : Puente Piedra || Peru : Lima : Rimac || Peru : Lima : San Borja || Peru : Lima : San Isidro || Peru : Lima : San Juan De Lurigancho || Peru : Lima : San Juan de Miraflores || Peru : Lima : San Luis || Peru : Lima : San Martin De Porres || Peru : Lima : San Miguel || Peru : Lima : San Vicente de Cañete || Peru : Lima : Santa Anita || Peru : Lima : Santiago De Sucro || Peru : Lima : Santiago de Surco || Peru : Lima : Surquillo || Peru : Lima : Villa El Salvador || Peru : Lima : Villa Maria Del Triunfo || Peru : Loreto : Indiana || Peru : Loreto : Iquitos || Peru : Madre de Dios : Madre De Dios || Peru : Madre de Dios : Puerto Maldonado || Peru : Moquegua : Ilo || Peru : Moquegua : Moquegua || Peru : Pasco : Chaupimarca || Peru : Pasco : Yanacancha || Peru : Piura : Paita || Peru : Piura : Pariñas || Peru : Piura : Piura || Peru : Piura : Sullana || Peru : Piura : Talara || Peru : Piura : Tambo Grande || Peru : Puno : Juliaca || Peru : Puno : Puno || Peru : Puno : San Román || Peru : Puno : Santa Rosa || Peru : San Martín : Moyobamba || Peru : San Martín : Tarapoto || Peru : Tacna : Tacna || Peru : Tumbes : Tumbes || Peru : Tumbes : Zarumilla || Peru : Ucayali : Callaria || Peru : Ucayali : Pucallpa || Peru : Ucayali : Ucayali || Trinidad and Tobago : Arima : Arima || Trinidad and Tobago : Chaguanas : Chaguanas || Trinidad and Tobago : Chaguanas : Cunupia || Trinidad and Tobago : Couva : Couva || Trinidad and Tobago : Diego Martin : Diego Martin || Trinidad and Tobago : Diego Martin : Maraval || Trinidad and Tobago : Penal-Debe : Penal || Trinidad and Tobago : Point Fortin : Point Fortin || Trinidad and Tobago : Port of Spain : Port of Spain || Trinidad and Tobago : Port of Spain : St. James || Trinidad and Tobago : Princes Town : Princes Town || Trinidad and Tobago : Rio Claro-Mayaro : Rio Claro || Trinidad and Tobago : San Fernando : Marabella || Trinidad and Tobago : San Fernando : San Fernando || Trinidad and Tobago : Sangre Grande : Sangre Grande || Trinidad and Tobago : Siparia : Siparia || Trinidad and Tobago : Tobago : Lowlands || Trinidad and Tobago : Tunapuna–Piarco : Trincity || Trinidad and Tobago : Tunapuna–Piarco : Tunapuna || Trinidad and Tobago : Western Tobago : Scarborough

Business Address: Av. 27 de Febrero, esq. Winston Churchill 

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.