Title:  Director, Retail & Small Business Credit Policy Adherence & Effectiveness, International Banking

Requisition ID: 273503 

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

Scotiabank’s International Banking division is a diverse and dynamic network that provides financial advice and solutions to more than 12 million retail, corporate, and commercial clients. With a presence in over 15 countries—including Mexico, Chile, Peru, Colombia, Brazil, Uruguay, and key markets across Central America and the Caribbean—our footprint offers unparalleled connectivity within the North American corridor. These regions feature favorable demographics and present significant opportunities to expand banking penetration and deliver innovative solutions.

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

Purpose

The Director – Retail & Small Business Credit Policy Adherence & Effectiveness, International Banking (IB) is accountable for the establishment of the new first line (1B) testing framework, methodology and operating model for retail lending products in International Banking.  Responsibilities include direct oversight, management and control of the team located within Business Risk Management with presence in Toronto and regions in scope. This position oversees the review programs of retail & small business products in International Banking with a focus on:
 
•    Detecting, analyzing, and providing information related to material control gaps that may impact the quality of business, and recommend corrective strategies that will enable sustainable business growth.
•    Assessing adherence to regulatory obligations as described in policy and procedures. 
•    Ensuring policy or process enhancements/changes are recommended as required, with adequate documentation and action plan follow up as per Bank’s issue management policy[AG1.1].
•    Effectively utilizing technology, analytics and artificial intelligence to ensure effective and efficient coverage of portfolios across IB.
 
The Director is expected to bring a significant level of consumer lending policy and process knowledge and expertise to identify both the causes of material trends and provide suggestions for improvement to policies and processes. This includes the assessment of material trends and potential risk exposure via effective and prompt analysis of funded products.
 
The Director provides on-going support, competent guidance and direction to various internal stakeholders in Canada as well as the various IB countries and regions, and client support channels. The position is also responsible for process improvement, including the identification, project management, implementation, reporting, data & analytics and change management of initiatives which will improve the review and reporting provided to all stakeholders. This includes investigation/implementation of technology enhancements, automation process and artificial intelligence.

What You'll Do:

• Enhance the 1B testing program for Retail and Small Business Lending functions within International Banking which includes framework, methodology and operating model with a goal of instituting the following:
  • Lead team of file reviewers that will assess adherence to policies and processes within the lending lifecycle: application & origination, underwriting & adjudication, funding & fulfillment, account management, and collections & forbearance, for the various delivery channels in IB to determine trends and/or specific areas of concern.
  • Ensure that the facts are gathered, their full meaning is established and, when possible, the root cause of the problem is determined.
  • Maintain a current awareness of operational issues facing the various delivery channels and circumstances specific to an area/region to identify opportunities to amend policy and processes to produce better results.
  • Provide practical recommendations as to how root problems/concerns can be mitigated via lending controls, if appropriate.
  • Incorporate findings from reviews conducted by either the regulators or any other third party reviewing lending files (e.g. mortgage insurers), ensuring that issues identified in their reviews are considered in follow-up reviews conducted by the 1B Business Risk Management (BRM) PAE Testing team.
  • Ensure files reviews consider regulatory changes introduced by various government agencies or departments.
  • Ensure file reviews consider regulatory requirements, including thresholds established by our regulators (i.e. OSFI) or as noted in the RMUP.
  • Partner with other stakeholders at resolution of deficiencies/gaps identified.
  • Ensure ongoing assessment of review effectiveness and recommend amendments as required to remain current.
  • Partner with other stakeholders within BRM, Product Teams and Global Risk Management (GRM) to ensure the program runs effectively.
  • Inspire the team to have a technology enhancements, automation and artificial intelligence culture.
  • Investigate and implement enhancements to the review process with a focus on automation, leading to better resources and time management.
  • Implement data analytics and reporting to enable a holistic assessment of deficiencies, trends and opportunities
• Manage planning, timing, and execution of the BRM PAE Testing team’s process by:
  • Enhance the IB BRM_Quality Assurance Retail Credit Handbook, clearly articulating the review requirements, including frequency of reviews and process for adhoc requests (including from the Business Lines) and make updates as required.
  • Identify systemic trends.
  • Managing the effective utilization of resources.
  • Ensuring review procedures are specific and efficient, addressing all elements of potential risk.
  • Ensuring facts are gathered and their full meaning established by performing a thorough analysis of deficiencies identified; determining the root cause of the problem and providing recommendations as to how they can be mitigated.
  • Produce timely review findings in such a manner that all significant issues are documented in a format that can be actioned by the appropriate manager/group and created in Bank-approved issue management systems.
  • Report on test results and share with key stakeholders. Highlight systemic issues and recommend corrective actions.
  • Track and monitor progress of remediation plans through issue management tools. Ensure issue validation & closure according to Issue Management policy and standards.
  • Develop remediation plans based on the results of Second Line review/QA (test the testers), assign accountability within the team and meet timelines.
• Communication with Senior and Executive Level Stakeholders: 
  • Prepare writings and dashboards for Executive Management supporting findings and recommendations. Provide regular updates to Management on status of recommendations.
  • Participate in Executive level meetings as well as attending any other relevant meetings, as required.
  • Provide presentations to Senior Management on emerging trends and what is being done/proposed to combat these trends
  • Clearly report the extent and potential portfolio exposures to risk.
  • Ensure approved policy and procedure enhancement leverage growth opportunities, mitigate risk and achieve operational efficiency.
• Support to Business Partners
  • Provide support to the business lines (e.g. Retail & Small Business Lending), in International Banking as required, on material trends and root cause of failed files.
  • Provide support to stakeholders by sharing observations, findings, and best practices and recommending actionable solutions when applicable.
  • Provide assistance, guidance and counsel to the field on matters affecting credit policy, fulfillment processes, and risk as they relate to material trends in file review
• Promote staff development and teamwork:
  • Preparing periodic and annual performance assessments, career development and training plans, and monitoring on a regular basis for achievement/completion.
  • Providing regular coaching, guidance and mentoring to staff: identify staff training opportunities and potential skill gaps.
  • Conducting regular team meetings.
  • Managing staff resources to ensure they are efficiently and effectively deployed, including use of KPIs to ensure projects are delivered on time.

What You'll Bring: 

• Undergraduate degree or higher required.
• Fluency in English/Spanish is required
• Expert knowledge of retail lending with a teaching knowledge of lending procedures, adjudication systems, and the associated policies.
• Expert understanding of regulations that impact consumer credit.
• Ability to write clear, concise reports as well as internal and external communications. Expert communication and interpersonal skills, both verbal and written, are required in order to deal effectively with team members and other external Bank departments and to interface with diverse areas of responsibility/functionality that often have conflicting interests.
• Expert conceptual and innovations skills to be able to conceive/develop testing techniques and unique approaches to optimize the use of resources for the Bank.
• Expert communication with Management and Executive concerning material trends and policy/control breakdowns.
• Strong understanding of data analysis and usage as well as adapting artificial intelligence to automate work and enhance coverage.
• Strong understanding of the Bank’s culture and delivery systems across all delivery channels.
• Thorough knowledge of Microsoft Office programs (e.g. Word, Powerpoint, Excel, One Note, Outlook, PowerBi, etc).
• Thorough knowledge of the Bank's organizational structure.
   

Work Arrangement:
This position is currently an hybrid role, with the expectation that you will work 4 days a week in the office. Please note that this is subject to change based on the needs of the business.

Interested?

If your experience is closely related but doesn’t align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank!  
 

At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That’s why we work to grow and diversify talent and engage employees in a performance-oriented culture. 

What's In It For You?

Scotiabank wants you to be able to bring your best self to work – and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. 

Location(s):  Canada : Ontario : Toronto || 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 || 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. 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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.