Title:  Senior Manager, Small Business Account Management Credit Strategies, Global Risk Management

Requisition ID: 260940 

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

This is a strong opportunity for a strategic, analytically driven risk professional to support the development and execution of credit risk strategies across the Small Business account management portfolio.

You will lead analysis, reporting, and execution of key initiatives, identify emerging risks, and help improve portfolio performance through data-driven recommendations and cross-functional partnerships.

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

• Client Management Strategies (Line, Authorization, Overlimit, Pricing, and Re-issue)
  • Support portfolio segmentation strategies that optimize growth, profitability, and credit risk.
  • Recommend enhancements to strategies, procedures, and policies to improve performance.

• Portfolio Monitoring
  • Monitor portfolio performance and translate insights into actionable recommendations.
  • Conduct regular reviews of risk strategies and emerging portfolio trends.
  • Use test-and-learn frameworks and risk technologies, including TRIAD and CRS, to identify improvement opportunities.

• Support Business Line Initiatives and Projects
  • Collaborate with analytics, business, and product partners to develop effective client management strategies.
  • Help ensure strategies remain aligned with the Bank’s Risk Appetite Framework.
  • Recommend changes that support prudent growth and controlled credit risk.

• Team Leadership and Partnership
  • Build strong relationships across Canadian Banking Risk and with external partners to support best practices, regulatory alignment, and a high-performing team culture.

Why Join This Team

• Influence risk strategy and portfolio performance in a high-visibility Small Business Credit Risk role.
• Work across strategy, analytics, and execution with senior stakeholders and cross-functional teams.
• Apply advanced analytics, risk technologies, and test-and-learn approaches to complex business challenges.
• Build strong internal and external partnerships while contributing to modern credit risk practices.
• Grow as a people leader while delivering measurable business impact.

• Support strategies for credit limit management, authorization, pricing, re-issue, and overlimit across the Small Business portfolio.
• Monitor portfolio performance to support profitability and alignment with the Bank’s Credit Risk Appetite.
• Improve strategy effectiveness through champion/challenger testing and data-driven decision-making.
• Prepare analysis and recommendations for senior leadership forums and support implementation of approved changes.
• Partner with business stakeholders to ensure client management strategies operate within risk appetite.
• Recommend enhancements to address emerging credit risks and improve portfolio performance.
• Use risk technologies, behavioural scoring, and bureau data to optimize strategies, policies, and business rules.

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

• A minimum of 5 years with a financial services organization in the credit risk management field, specifically, hands-on experience with credit products (credit cards, line of credit, term loans etc.) and exposure to other lending products (auto loans, mortgages, etc.) and bank products (deposits, wealth, etc.)
• A Bachelor’s degree or higher in business, statistics, economics or finance is required. MBA, CFA or FRM are a strong asset.
• Strong data analytic and logical thinking ability, with a track record of data-driven decision making.
• Working knowledge of at least one of the data analytics tools, such as SAS, SQL, R, Python and reporting tools such as Tableau, Power BI
• Strong project management and leadership skills to prioritize, manage and implement a variety of competing initiatives, on a concurrent or staggered basis
• Excellent communication and written skills complemented with solid deductive reasoning, sound judgement and data storytelling.
• Knowledge of credit scoring and risk assessment as well as portfolio management and behavioral scoring to maximize the effectiveness of existing technology in providing competitive and effective policies that respond to the credit needs of our customers.
• Prior experience in a credit risk strategy along with TRIAD and TSYS is preferred.

What's in it for you?

• Champion a high-performance environment and contribute to an inclusive work environment.
• The opportunity to join a forward-thinking organization where you are surrounded by a collaborative team of innovative thinkers.
• A competitive compensation and comprehensive benefits plan.
• An organization committed to making a difference in our communities - for you and our customers.
• You can expect to be recognized and rewarded for high-performance; you will be supported by leadership through meaningful development conversations that enable faster advancement and internal training to support your growth and development.

*We are currently hiring for two positions in this role*  

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.