Title:  Manager, Collections Analytics and Forecasting (Bilingual English/Spanish)

Requisition ID: 247867

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

GRM Retail Credit Risk Collections is a leader in developing innovative, data‑driven solutions that enhance the Bank’s profitability. We achieve this through advanced analytics, operational effectiveness, and disciplined risk governance.

As Manager, Collections Strategy & Data Science, you will contribute to the success of the Collections function by defining, implementing, and evaluating best‑in‑class strategies that improve customer outcomes and financial performance. You bring strong analytical problem‑solving abilities and a collaborative mindset, supported by experience in statistics, data analytics, and retail risk management.

You understand business requirements, work with enterprise‑level data, and leverage advanced analytical techniques to generate actionable insights and recommend strategies that drive profitable growth.

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

• Manage collections analytics, portfolio performance monitoring, and strategy evaluation routines.
• Own the end-to-end Net Write-Off forecast, ensuring strong models, assumptions, diagnostics, and governance under IFRS9.
• Update and enhance Power BI dashboards to support forecast visualization and business reporting.
• Translate macroeconomic scenarios into loss and provision outcomes, delivering clear and actionable variance narratives.
• Continuously monitor forecast accuracy, overlays, emerging risks, and recommend methodology or operational enhancements as needed.
• Partner closely with Collections Operations to identify drivers of performance deterioration and recommend corrective actions (e.g., treatment adjustments, channel mix optimization, capacity allocation).
• Support the development and refinement of segmentation and treatment strategies to improve roll rates, cures, and recoveries.
• Lead the preparation and analysis of structured and semi-structured data using SQL and analytical tools (Python, R, SAS).
• Deliver analytical deep dives and insights that inform strategy, improve collections effectiveness, and enhance customer outcomes.
• Collaborate with modelling and risk partners to support enhancements to predictive models, early warning triggers, and diagnostic frameworks.
• Develop and maintain performance reporting suites and early warning indicators to proactively identify risks and opportunities.
• Ensure data quality, controlled production cycles, and thorough back-testing to support accurate and reliable reporting.
• Communicate insights and recommendations to stakeholders at various levels, ensuring alignment and effective execution

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

• Master's degree in Economics, Finance, Industrial Engineer, Mathematics, Computer science, or Information technology related discipline
• 2–3 years of experience in credit risk, collections, retail banking, or advanced analytics.
• Proficiency with Power BI (highly desired).
• Strong SQL skills and experience using analytical tools such as Python, R, or SAS.
• Experience working with large datasets, including data cleaning and preparation of structured and semi‑structured data (e.g., XML, JSON).
• Solid foundation in statistical and quantitative analysis with a relevant STEM degree (Statistics, Mathematics, Economics, Engineering, Computer Science).
• Experience with big data tools (e.g., Hive, Spark) or machine learning techniques is an asset.
• Strong communication and collaboration skills, with the ability to present insights clearly.
• Highly results‑driven, curious, and able to balance detailed analysis with big‑picture thinking.
• Excellent organizational skills and ability to manage multiple initiatives simultaneously.
• Spanish language proficiency is an asset.

What's 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 || Dominican Republic : Santiago : Santiago de los Caballeros 

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.