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Title:  Manager, Unsecured Lending Products (18-month Contract)




Requisition ID: 184566

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


As the Manager, Unsecured Lending Products, you will be responsible for overseeing the strategic business direction of various unsecured lending products. In this role you, you will contribute to the profitability and revenue growth of the consumer portfolio through the development and maintenance of consumer lending products and initiatives that maximize market share and growth opportunities. You will also ensure product profitability is maximized, products are competitively positioned and delivered efficiently for existing and future customer needs.

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

  • Create and maintain a product development plan for the unsecured lending portfolios for Retail customers
  • Lead the development and implementation of product and marketing objectives and strategies for the portfolio
  • Lead the evaluation and development of customer-centric products and programs and product distribution system enhancements
  • Evaluate opportunities through design and review of financial models that analyze risk, cost, budget and overall financial consequences
  • Develop strategic proposals that fit into overall department, division and Bank objectives
  • Recommend and implement approved pricing strategies
  • Assess the economic and financial feasibility of new product opportunities
  • Develop and maintain a full understanding of high quality market intelligence, competitive landscape of competitor products and delivery channels, and internal management information
  • Manage the communication of products, related policies and procedures to internal and external partners
  • Maintain lines of communication with internal partners about product needs, competitive opportunities and trends
  • Maintain a current awareness of operational procedures, systems and issues facing the various delivery channels to identify opportunities for product changes
  • Gather and maintain a history of competitive pricing and identifying past and future pricing trends, price leadership and overseeing the development and maintenance of pricing models to analyze revenue impacts
  • Produce ad-hoc monthly, quarterly, and annual management reports/dashboards for executive that include key measures that are meaningful and accurate
  • Partner with internal and external stakeholders to obtain their buy-in and resources to proceed with plans and projects
  • Direct the process of product development and enhancement to ensure competitive and comprehensive products are offered
  • Create business cases for new or enhanced product, system and operational development
  • Ensure business requirements are accurately prepared and interpreted, meet the needs of all stakeholders, and provide all information required to support new or enhanced product
  • Provide ongoing support to internal partners, channels and customers, ensuring up to date information is available to field staff and other users through all publication channels (circulars, manuals, job aids, the resource centre, pricing guides, marketing material)
  • Support the development and delivery of sales training materials, programs, periodic newsletters, circulars, procedural guidelines/operating procedures so that up to date information is provided to the field
  • Develop and facilitate related training information seminars
  • Ensure timely responses to field enquiries and that complaints/problems escalated to the business line are resolved
  • Ensure operational and systems problems are identified and solutions implemented by the appropriate operational and systems departments
  • Lead and oversee communication of the business lines policy and strategic objectives to the field and providing direction or authorization on issues with policy implications
  • Support authorization of non-standard pricing within defined authorization range


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

  • Several years of related professional Banking industry experience; specific retail lending product experience is a strong asset
  • Prior product management, project management, strategy or experience operating a business is a strong asset
  • Experience and competency with P&L analysis, building presentations, project plans and dashboards  
  • Demonstrated written and oral communication skills
  • The ability to build strong working relationships with a team player mentality, and adept at problem solving
  • A passion for creating customer value and curiosity in consumer lending


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.

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