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Sr. Manager, Portfolio Insights & Customer Management - Toronto, ON

Date: Jan 11, 2019

Location: Toronto, ON, CA

Company: Scotiabank



Requisition ID: 50055


Join the Global Community of Scotiabankers to help customers become better off.

Job Purpose

Contribute to the risk management of Small Business portfolios across Canada within established risk parameters by developing, implementing and managing robust strategies, leveraging decision support tools to drive ongoing effective account management.


Key Accountabilities

  • Ensure the design, development and implementation of risk management strategies across the credit life cycle and Small Business lending products are effective.
  • Support the development and implementation of pro-active portfolio management and de-risking strategies leveraging existing Bank and industry leading tools and technologies to effectively assess/manage the risk of Small Business portfolio to align with the Credit Risk Appetite.
  • Provide regular and timely reporting on portfolio trends and insights to support senior management in strategic decision making.
  • Ensure the design, development, maintenance and production of detailed reporting packages for senior management showing key risk indicators and performance of acquisition and portfolio management strategies by:

  • Reviewing/approving analyses/recommendations/reports prepared by the team
    • Ensuring reports are professionally presented and produced in an accurate and timely fashion
    • Developing new and enhancing existing reports with consistency of definitions across all reports
    • Determining the best data compilation methods and developing/establishing new data sources
    • Increasing efficiency through automation of reports, involving EDW and other partners/leveraging data lake as appropriate
    • Improving the reporting methodology and identifying opportunities to streamline.
  • Monitor Small Business portfolios against risk tolerance ranges set for the Bank’s Small Business portfolio, and ensure those are achieved within the risk-reward framework. 

  • Conduct statistical analysis of existing policy parameters to determine their impact on portfolio performance and recommend, as appropriate, changes to enhance performance and overall Customer Experience.

  • Manage portfolios in concert with other Life Cycle Risk teams in GRM (e.g., Policy, Collections, etc.) to optimize portfolio performance.

  • Provide advice and counsel to business partners/local risk on credit risk initiatives related to portfolio management and liaise with key stakeholders, including but not limited to, Provisions, Collections, TRIAD Team, Audit, Legal and Compliance.

  • The Senior Manager role requires strong knowledge of credit risk account management, experience with databases, query structures and advanced Excel.


Functional Competencies

  • Strong analytical skills and the ability to design and interpret information/data required to monitor the performance of the retail credit functions are essential.
  • Must be able to articulate their viewpoint/opinions to all levels within Scotiabank, as well as to senior executives. The incumbent must be able to represent Scotiabank on risk management issues in a multitude of external venues (e.g., government regulators, banking committees, external auditors, industry associations, credit risk forums/roundtables, etc.).
  • Ability to quickly turn around insightful data driven analytics in response to risk and portfolio performance issues as they arise.
  • Strong financial skills, solid deductive reasoning, sound judgement and creativity.
  • Ability to communicate effectively, both oral and written - presents and articulates views clearly.
  • Strong skills in strategic influencing and working collaboratively with cross functional business partners in Canada, as we ll as with external vendors.
  • Advanced knowledge of data management, aggregation and analysis techniques.
  • Advanced knowledge of SAS (5+ years of programming experience).
  • Demonstrated experience with databases, query structure, data structure and data extraction. High level SQL Server, VBA, HIVE, HUE, R, S skills preferred.  Knowledge of Hadoop.  
  • Extensive BI tool expertise (build, execution for data preparation / visualization); eg, Tableau, Datameer, Power BI, Essbase
  • Superior PC skills with expertise in MS Access, PowerPoint and Excel, critical due to the extensive manipulation of data required for the analytics and reporting. 
  • Good understanding of statistical theory and applications. 
  • Strong project management skills with a proven ability to work independently and with policy, product groups and technology partners in a professional and productive manner.
  • Effective time management skills to to efficiently deliver concurrent project deliverables with competing priorities.  Excellent problem solving and decision-making skills.
  • Leadership and communication skills required to manage, prioritize and execute diverse activities and projects concurrently. Schedules are often influenced by changing priorities.
  • Current awareness of regulatory requirements and industry best practices
  • Solid understanding of personal and small business credit products and associated policies and procedures
  • High level understanding of financial measures of risk adjusted returns; advanced knowledge of risk management best practices


Education/ Experience

  • Graduate, University degree in business, statistics or data science
  • Minimum of 5 year relevant work experience
  • In-depth understanding of: i) retail products and channels, and the markets in which Scotiabank operates; ii) predictive modeling theory combined with practical application in defining and justifying credit risk strategies based on statistical models and executed via automated systems; iii) collections policies/practices and strategies; and iv) legislative and marketplace issues relative to credit risk management.
  • Knowledge of credit risk management account management techniques in Small Business and/or Retail credit.
  • Demonstrated experience with databases, query structures and advanced Excel skills.
  • Experience with development of strategies utilizing credit risk scores.
  • The incumbent should have advanced knowledge of statistical skills & computer skills.  Basic accounting skills are preferred.

Location(s):  Canada : Ontario : Toronto

As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. 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. Candidates selected for an interview will be contacted directly.  If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.

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