Title:  Manager, Portfolio Analytics & Insights

Requisition ID: 274774 

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

The Manager, Portfolio Analytics & Insights is responsible for delivering high-quality portfolio monitoring, analytics, and insights for the Unsecured Lending portfolio.

The role operates as a senior individual contributor with emerging leadership responsibilities, supporting the Senior Manager/Director in driving data-driven decision-making, enhancing monitoring capabilities, and informing risk strategies. This position combines strong technical execution with business acumen and effective communication to translate portfolio performance into actionable insights for senior stakeholders.

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

Portfolio Monitoring & Analytics

• Design, develop, and maintain portfolio monitoring dashboards and scorecards (Power BI or equivalent) covering:
• Credit performance, delinquency trends, losses, PCL, vintages, and early warning indicators
• Perform deep-dive analytics to investigate portfolio trends, variances, and emerging risks
• Analyze performance across acquisition channels, programs, and segments to identify key risk drivers
• Execute complex data extraction, transformation, and analysis using SQL, SAS, Python, and/or Excel

 Insights Generation & Data Storytelling

• Translate analytics into clear, structured, and actionable insights for senior leadership
• Support development of executive-ready materials for governance forums, regulatory requests, and business reviews
• Provide recommendations to improve portfolio performance, credit quality, and risk-adjusted returns
• Deliver timely and high-quality responses to ad-hoc analytical requests

Data Management, Quality & Controls

• Ensure data accuracy, integrity, and consistency across analytics outputs
• Perform reconciliation, validation, and quality control checks across multiple data sources
• Proactively identify and resolve data issues, gaps, or inconsistencies
• Maintain documentation on data logic, definitions, and methodologies to support audit and governance requirements

Process Enhancement & Automation

• Identify opportunities to improve efficiency, scalability, and consistency of analytics processes
• Drive automation and standardization initiatives using SQL, SAS/Python, and BI tools
• Contribute to the evolution of portfolio monitoring frameworks and data infrastructure

 Stakeholder Collaboration & Business Support

• Partner with stakeholders across Product, Finance, Collections, and Strategy teams to support initiatives such as:
• New programs or policy changes
• Credit strategy adjustments
• Portfolio risk assessments
• Provide subject matter expertise on portfolio performance and risk drivers
• Build strong working relationships and influence decision-making through data-driven insights
• Strong hands-on experience in data analysis and portfolio monitoring
• Proficiency in SQL/SAS or Python (required)
• Strong experience with Power BI or similar visualization tools
• Ability to structure complex analyses and communicate insights effectively

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

• 3–5 years of experience in portfolio analytics, credit risk, or financial analytics
• Experience in unsecured lending products (Credit Cards, ULOC, etc.) strongly preferred
• Proven ability to manage end-to-end analytics deliverables
• Bachelor’s degree in a quantitative or business discipline (e.g., Mathematics, Statistics, Economics, Finance, Computer Science) or compensating work experience
• Graduate degree considered an asset
• Strong hands-on experience in data analysis and portfolio monitoring
• Proficiency in SQL/SAS or Python (required)
• Strong experience with Power BI or similar visualization tools
• Ability to structure complex analyses and communicate insights effectively
• Strong analytical thinking and problem-solving skills
• High attention to detail and data accuracy
• Effective communication and data storytelling
• Ability to balance multiple priorities in a fast-paced environment
• Ownership mindset with a proactive approach to identifying opportunities

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.