Title:  Senior Manager, Portfolio Analytics & Insights

Requisition ID: 261285 

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

The Senior Manager, Portfolio Analytics & Insights is accountable for leading the day‑to‑day delivery of high‑quality portfolio risk monitoring and analytics for the Unsecured Lending portfolio (Credit Cards, Unsecured Lines of Credit, and Overdraft Protection). The role supports the Director, Portfolio Analytics & Insights and plays a critical role in informing senior leadership discussions, governance forums, and strategic decision‑making across the unsecured credit lifecycle. This is a hands‑on, technical leadership role, combining advanced analytics execution with cross‑functional leadership and strong executive storytelling.

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

1. Portfolio Performance Monitoring & Analytics

·       Design, build, and maintain monitoring Power BI dashboards or scorecards covering portfolio performance, early warning indicators credit quality, losses, PCL, vintages, and key risk drivers to enable effective senior oversight of portfolio performance

·       Monitor portfolio performance across acquisition channels and programs to investigate variances, emerging risks, and trend shifts that may impact portfolio health

·       Perform data manipulation and analysis using SQL, SAS, Power BI, Excel, and/or Python to build metrics and perform ad‑hoc executive requests

2. Insights & Data Storytelling

• Produce clear and actionable analytics insights for the Unsecured Lending portfolio team, senior leaders, regulators, and business partners to support both day‑to‑day and strategic decision making

• Partner closely with the Director to prepare executive‑ready decks and packages, clearly articulating risk drivers and actionable recommendations

• Execute on ad-hoc analytical requests and prioritize them effectively based on urgency and value in support of multiple initiatives

3. Process Improvement & Team Development Stakeholder Support

• Improve monitoring processes by driving automation, standardization, and better use of tools such as SAS/SQL and visualization platforms to increase efficiency, consistency, and scalability

• Coach and develop junior team members to build technical capability in Power BI, SQL, and portfolio analytics within the team

• Foster a collaborative, inclusive, and high‑performance team environment aligned with GRM values

4. Business Partnership & Stakeholder Support

• Support business line initiatives (new products, program changes, channel expansion, policy changes) with hands‑on analytics, risk assessments, and subject matter expertise on an ad-hoc basis as needed
• Maintain strong partnerships with stakeholders across Product, Operations, Collections, Technology, Finance, and Governance teams

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

• Proven hands-on experience building end-to-end monitoring, including:
  • Strong proficiency in SQL, SAS and/or Python for data manipulation, validation, and analytics
  • Strong proficiency in building dashboards with Power BI and storytelling with data
  • Ability to translate complex analyses into actionable implications
• 5+ years of experience in portfolio analytics, credit risk, or financial services

• Undergraduate degree in Business, Economics, Finance, Mathematics, Computer Science or equivalent or a Graduate Program in a related discipline
• Knowledge of portfolio analytics, credit risk, and unsecured lending products
• Experience coaching or providing oversight to others on their technical work
• Strong time management skills, with the ability to prioritize and deliver competing initiatives
• Excellent communication skills, with the ability to influence senior stakeholders and present complex analysis clearly

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.