Title:  Senior Manager, Collections Strategy & Analytics

Requisition ID: 269234 

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

The Senior Manager, Collections Strategy and Analytics is responsible for designing, implementing, monitoring, and optimizing data-driven collection strategies across retail and small business portfolios to reduce delinquencies, lower PCL and write-offs, improve portfolio performance, and promote appropriate customer outcomes. Through advanced analytics, segmentation, test-and-learn practices, executive reporting, strategy governance, Asset Sale oversight, and scalable Power BI insights, the incumbent partners with Collection Operations, Contact Strategy, Risk, Product, Technology, Governance, and external stakeholders to support sound risk-based decisions, effective execution, appropriate controls, and alignment with the Risk Appetite Framework.

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

• Lead the development, implementation, monitoring, and optimization of collection strategies
• Establish risk-based frameworks and standards to oversee collection strategies, segmentation, decision science, and test-and-control practices.
• Provide effective challenge and recommendations regarding collection effectiveness, recoveries, customer treatment, and portfolio outcomes.
• Assess strategy and policy changes to ensure credit risks are appropriately identified, quantified, governed, and communicated.
• Develop dashboards, risk reporting, and early warning indicators to identify emerging risks and enable timely escalation.
• Maintain a second-line-of-defence framework for Asset Sale activities to assess adherence to risk appetite and governance requirements and provide evidence-based recommendations to senior management.
• Lead initiatives that strengthen Collections risk management, operational effectiveness, and productivity.
• Automate and streamline collection processes to improve execution, productivity, recoveries, and loss outcomes.
• Apply advanced analytics, machine learning, and champion/challenger testing to optimize collection strategies and treatments.
• Identify opportunities to enhance risk management, operational effectiveness, and customer outcomes.
• Develop governed, self-service Power BI reporting to deepen insights and accelerate decision-making.
• Leverage text analytics and AI to convert unstructured collections data into actionable insights for segmentation, treatment optimization, and risk mitigation.
• Support business line initiatives and projects
• Provide an independent challenge on business initiatives, pilots, renewals, policy changes, and portfolio decisions.
• Collaborate with Operations, Product, Collections, Technology, and Governance to assess credit risk and support balanced decisions
• Validate that proposals are supported by robust financial, quantitative, and portfolio analysis.
• Coordinate timely, well-supported responses to OSFI, Internal Audit, and other control functions.

Do you have the skills that will enable you to succeed? We’d love to work with you if you have experience with:

• Master’s degree in business, economics, statistics, mathematics, management science, advance analytics, or another relevant STEM discipline.
• At least five years of experience in credit risk, collections strategy, portfolio analytics, or a related field.
• Advanced proficiency in SAS, SQL, Python, machine learning, decision science, and Power BI.
• Experience developing automated reporting, governed dashboards, KPI frameworks, and data quality controls.
• Experience building automated reporting, governed dashboards, KPI frameworks, and data quality controls.
• Strong analytical judgment to identify root causes, quantify risk and financial impacts, and translate insights into actionable recommendations.
• Demonstrated ability to lead complex initiatives, manage competing priorities, and deliver results.
• Excellent communication and influencing skills, with the ability to convey complex issues clearly to senior stakeholders.
• Knowledge of credit scoring, risk assessment, portfolio management, behavioural scoring, and collections technology; TRIAD experience is an asset.

 What’s in it for you?

• Opportunity to contribute to a forward-thinking, collaborative team focused on risk management, analytics, and collections strategy.
• Rewarding career path with diverse opportunities for professional development and growth.
• Access to internal training and development resources to support continued capability building.
• Inclusive work environment that encourages collaboration, curiosity, and continuous improvement.
• Tools and support required to deliver high-impact risk, analytics, and strategy solutions

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.