Title:  Senior Solutions Architect, Corporate and Commercial Credit Risk

Requisition ID: 259640 

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

Role

The Senior Solutions Architect will work with the Global Risk Management Engineering team and Corporate & Commercial Credit Risk business and technology partners to define and evolve the architecture supporting credit risk systems.

The role ensures that adjudication, credit workflow, monitoring, capital and provision calculation, and credit risk reporting platforms are designed to meet evolving business and regulatory requirements while achieving high standards of reliability, scalability, security, and availability. This role is a high-impact role responsible for managing a set of tasks and techniques working as a liaison among various stakeholders.

The Senior Solution Architect provides expert advice and counsel to Risk Management/or IT areas on complex issues related to area of specialty.  This position may have multiple concurrent initiatives occurring at any one time. The incumbent must ensure high availability, integrity and reliability of programs developed. Incumbent needs to understand the structure, policies, and operations of the organization, and recommend technical / business solutions that streamline risk management processes. We are looking for a forward-thinking individual who embraces change, is passionate, flexible, curious, continuous learners and who wants to achieve challenging goals.

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

• Act as a trusted architectural advisor to Corporate and Commercial Credit Risk business partners, guiding the use of enterprise platforms, shared services, and industry best practices to support end‑to‑end credit risk management across adjudication, credit approval, monitoring, and reporting.
• Provide architecture leadership for credit risk technology roadmaps, supporting strategic initiatives such as credit adjudication modernization, workflow automation, risk monitoring enhancements, capital and provision (IFRS 9/ECL) calculation platforms, and regulatory and management reporting.
• Analyze and translate business, risk, and regulatory requirements into cohesive target‑state solution architectures, ensuring consistency across corporate and commercial credit portfolios while enabling scalability and future extension to retail and small business credit risk.
• Lead a wide range of technology strategy initiatives such as Applications rationalization, Cloud Migration, Legacy modernization. Synthesize findings and present clear recommendations and roadmaps ensure impactful project outcomes to senior leaders within Global Risk Management and Global Corporate Functions Technology.
• Ensure simplification and integrity of the credit risk technology landscape, delivering efficiency gains while maintaining compliance with regulatory frameworks such as Basel, IFRS 9 / Expected Credit Loss (ECL), capital adequacy, and internal risk governance standards.
• Define and govern credit risk data flows and analytics architectures, including data ingestion from core banking systems, credit decisioning engines, collateral systems, and external data providers; support model risk governance for credit adjudication, risk rating, monitoring, stress testing, and capital/provision models.
• Keeps the Bank safe by ensuring right technology, architecture, data, and infrastructure choices are made that prevents malicious attacks against the Bank’s technology infrastructure.

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

• 12+ years of experience in software engineering, solution architecture, or enterprise architecture roles.
• 5+ years of experience in Corporate and Commercial Credit Risk, including adjudication, credit workflow, monitoring, capital and provision calculation, and reporting.
• Strong understanding of Basel frameworks, IFRS 9 / ECL, capital adequacy, and credit risk governance.
• Experience designing and delivering architectures for large-scale, data‑intensive and computationally intensive credit risk systems.
• Proven experience with structured architecture practices, hybrid cloud architectures, and on‑premises to cloud migration.
• Experience architecting highly distributed, resilient enterprise systems across application, data, integration, and security layers.
• Excellent communication, stakeholder management, negotiation, and influencing skills.
• Exposure to Retail and Small Business Credit Risk platforms and processes.
• Experience with credit decisioning engines, workflow/origination platforms, collateral management systems, and regulatory reporting solutions.
• Architecture certifications (TOGAF, cloud architecture certifications).

What's in it for you?

• We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!
• We provide you with the tools and technology needed to create beautiful customer experiences
• You'll get to work with and learn from diverse industry leaders, who have hailed from top technology companies around the world
• We offer a competitive total rewards package that includes a base salary, a performance bonus, company matching programs (on pension & profit sharing), generous vacation, personal & sick days, maternity leave top-up, parental leave and much more.

Location(s):  Canada : Ontario : Torrance 

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.