Title:  Director, International Banking - SME Credit Risk (Bilingual in English/Spanish)

Requisition ID: 260024 

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

Provide regional leadership for SME credit risk across International Banking. Set strategy, standards, and risk appetite; guide and challenge country SME risk teams; and ensure consistent, effective risk practices that support portfolio quality and sustainable growth.

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

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

Regional Strategy & Standards:

• Define the SME credit risk strategy, target operating model, and lifecycle frameworks.
• Set regional SME risk appetite, early warning indicators, and portfolio guardrails.

Functional Leadership Across Countries

• Provide expert guidance and oversight to country SME risk leads through a matrix structure.
• Lead cross-country communities of practice to share best practices and strengthen capabilities.

Portfolio Oversight & Governance:

• Monitor SME portfolio performance across markets and identify emerging risks.
• Challenge and align country strategies, policies, and initiatives to global standards and risk appetite.

Approval & Review of Country Initiatives:

• Assess SME credit programs, product changes, and decisioning enhancements.
• Recommend improvements that optimize the risk–return profile.

Transformation & Analytics:

• Lead SME-related risk transformation initiatives, including analytics, decisioning, and data improvements.
• Drive consistent reporting, diagnostics, and insights across countries.

People & Stakeholder Leadership

• Lead and develop the regional SME risk team (including Senior Managers).
• Build strong relationships with CROs, Country Risk Heads, and business partners.

Other:

• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
• Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have: 

• 5+ years of progressive experience in SME credit risk, retail or commercial banking, or portfolio management.
• Deep understanding of SME lending, lifecycle risk management, scoring/decisioning, and regional risk governance.
• Demonstrated capability leading multi-country or matrix teams and influencing senior stakeholders.
• Strong analytical, communication, and strategic thinking skills.
• Fluency in English and Spanish required.

What’s in it for you?

• An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
• We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!
• Your career matters! You will have access to career development and progression opportunities.

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.