Title:  Senior Manager, Credit Limit Increase Strategies

Requisition ID: 265379 

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

The mandate of this role is to lead the development of account management credit risk strategies, with a focus on Credit Limit Increase (CLI) and ongoing portfolio management for unsecured lending products (credit cards, unsecured lines of credit, etc.), to optimize risk/return for Canadian Banking within Global Risk Management.

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

 Develop Credit Risk Strategies (Account Management / CLI Focus):

• Develop and implement account management and Credit Limit Increase (CLI) strategies, policies, and procedures for Unsecured Lending portfolios using analytics, empirical decision models, and competitive analysis.
• Leverage champion/challenger frameworks and incorporate credit bureau, third-party, and non-traditional data sources to continuously enhance CLI strategies and optimize credit line assignments.
• Independently conduct analysis, including data extraction and manipulation using advanced tools, translating data into actionable insights and delivering business intelligence through effective storytelling.
• Analyze portfolio trends to identify changes in credit quality, utilization, client behavior, and performance, and develop early-warning indicators to detect population shifts and emerging risks related to line increases.
• Assess client relationship depth across products to support segmentation, targeting, and optimized CLI eligibility and sizing strategies.
• Monitor and evaluate existing CLI and account management strategies to identify opportunities, process gaps, and system limitations; recommend enhancements to ensure alignment with risk appetite and avoid unintended risk exposure.
• Perform forward-looking risk assessments to ensure CLI strategies remain within defined risk appetite while balancing growth objectives.
• Drive automation and simplification of processes, including the development of risk thresholds, controls, and monitoring frameworks for CLI execution and performance tracking.
• Promote best practices, leverage advanced analytical tools, and provide governance over strategy design, deployment, and policy enhancements related to account management.

Support Business Line Initiatives / Projects

• Participate in initiatives and projects related to Credit Limit Increase programs and broader account management strategies, including the review of business cases and risk proposals.
• Act as a change agent by proactively identifying opportunities to enhance CLI policies, procedures, and processes to improve portfolio performance within risk appetite.
• Collaborate cross-functionally and serve as a liaison across teams (Product, Risk, Technology, Collections) to support end-to-end execution of CLI strategies.
• Prepare and lead credit risk forums, including portfolio reviews, derisking discussions, and strategy governance sessions.
• Maintain in-depth knowledge of operational processes and systems supporting CLI execution across channels (e.g., digital, call center).
• Continue driving process automation and efficiency improvements to strengthen control frameworks and scalability of CLI programs.
• Perform additional analyses and deliverables as required by Unsecured Lending leadership.

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

•  Minimum 5+ years of experience in risk or portfolio management within a financial institution, with strong understanding of credit risk principles. Experience in account management and CLI strategies is strongly preferred.
• Advanced hands-on proficiency in SAS, SQL, or similar tools, with the ability to apply analytical techniques to extract, analyze, and manage data, and translate findings into actionable insights.
• Strong project management and prioritization skills, with the ability to manage multiple initiatives and deliver results with attention to detail.
• Excellent communication, collaboration, and stakeholder management skills, with the ability to influence without authority and engage senior leadership.
• Self-starter with a proven ability to drive outcomes independently in a fast-paced environment.
• Solid understanding of credit risk modeling, behavioural scoring, and portfolio management, with experience applying these concepts to optimize CLI strategies.
• Bachelor’s degree or higher in business, statistics, economics, mathematics, management science, or a related field.

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.