Title:  Manager, Account Management

Requisition ID: 265402 

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

The Manager, Credit Risk Account Management supports the development, execution, and ongoing monitoring of credit risk account management strategies for Credit Cards and Unsecured Lending portfolios. This role focuses on strategy development, advanced analytics, portfolio performance monitoring, and reporting to support effective risk management and optimize risk‑adjusted returns for Canadian Banking within Global Risk Management.

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

Support Credit Risk Strategy Development

• Support the design, development, and enhancement of account management credit risk strategies, with a focus on Credit Limit Decrease (CLD) and risk mitigation.
• Perform analytical assessments leveraging credit bureau data, internal performance metrics, and approved third‑party data to inform strategy decisions.
• Support champion/challenger testing and continuous improvement of account management strategies, including CLD targeting, thresholds, and segmentation.
• Assist with the automation and simplification of strategy logic, controls, and monitoring processes to improve efficiency and scalability.

Portfolio Monitoring & Reporting

• Monitor portfolio performance across key credit risk metrics, including delinquency rates, roll rates, utilization, exposure at risk, and charge-off trends.
• Develop, maintain, and enhance portfolio monitoring reports and dashboards (e.g., Power BI) for management and senior leadership.
• Identify emerging risks, adverse trends, or strategy performance gaps, and escalate clear, data-driven insights.
• Produce ad‑hoc analyses and deep dives to support management reviews, strategy optimization, and governance forums.

Business Line Initiatives & Project Support

• Participate in Credit Card and Unsecured Lending initiatives focused on account management strategies and portfolio de-risking.
• Support the review of business cases, risk proposals, and requirements documents through analytical input and impact assessment.
• Work closely with Product, Risk, Fraud, Technology, and Operations teams to support the implementation and monitoring of approved strategies.
• Handle escalations from business partners, including reviewing and re-evaluating account management strategy outcomes.

Regulatory, Audit & Fraud Support

• Support OSFI, Internal Audit, and other regulatory reviews through analysis, reporting, and issue tracking related to account management strategies.
• Partner with Fraud Management and Security teams to support portfolio-level risk mitigation and investigations as required.

Stakeholder & Team Collaboration

• Build effective working relationships with internal partners across Risk, Product, Analytics, and Operations.
• Communicate portfolio performance, strategy impacts, and analytical insights clearly and concisely to senior stakeholders.
• Provide informal coaching, guidance, and knowledge sharing to analysts as needed.

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

• Bachelor’s degree in business, statistics, economics, mathematics, management science, analytics, or a related discipline.
• Typically 3–5 years of experience within a financial institution, ideally in credit risk management, account management strategies, or unsecured lending.
• Working knowledge of SAS and SQL or similar analytical/statistical tools; Python experience is a strong asset.
• Strong analytical, reporting, and MIS skills, with the ability to extract, analyze, and interpret large datasets.
• Strong analytical thinking and problem‑solving skills.
• Clear written and verbal communication skills, including the ability to explain portfolio performance.
• Ability to manage multiple priorities in a regulated environment.

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.