Requisition ID: Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.The Manager, Customer Risk Analytics, Retail Credit Risk, GRM is responsible for monitoring, conducting analysis and making fact-based recommendations across Retail Credit portfolios. The incumbent will deliver customer level analysis in order to provide holistic actionable insights and product-specific risk analytics. Analytics will include, but not limited to, monthly monitoring on balances, delinquency, portfolio and acquisition credit quality. The role is highly technical and requires expert SAS/Python, data analytics and BI tools skills. The incumbent will deliver ongoing portfolio reporting and monitoring to senior management, as well as address ad-hoc data requests. This role works with multiple stakeholders and partners within and outside Scotiabank.Accountability 1: Retail Credit Risk Portfolios Tracking & ReportingUse a variety of analytical and reporting tools (ex. SAS, Python, Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines.Respond to adhoc requests from executives and key stakeholders with a sense of urgency. Perform required data pulls, reconciliations to answer questions. Prioritization and working on more than one request at a time is often required.Provide actionable insights and meaningful messages from the reporting to drive credit risk decisions. Able to tell a story by synthesizing vast amounts of data into coherent messages.Proactively provide strategic analysis that will assist in optimizing risk rewards ratios and grow the portfolios.Collaborate with Acquisition, Account Management and Collections teams to provide measurement and reporting on strategic initiatives such as acquisition dynamics and quality, line optimization and collections effectivenessAccountability 2: Customer Risk AnalyticsChampion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.Identification of portfolio trends and key statistics using advanced analytics; Effective and timely communication of strategic and operational results to the business teamsProvide analytical support on a regular and ad-hoc basis focusing on driving business growth and profits and minimizing lossLeverage internal/external analytics tools as well current macroeconomic & industry trend to evaluate its impact on customer & profitability of the bank; keep senior management abreast with these insights and recommendation to mitigate those risksWork closely with Global Risk Management teams to understand intrinsic & external risk factors for the lending portfolio; develop risk management strategies to optimize risk and revenueUsing our data, continually develop and refine a more holistic customer view.Do you have the skills that will enable you to succeed in this role?In-depth analytics experience and solid business acumen are required. Extensive analytics and decision support experience is strongly preferred along with a comprehensive understanding of portfolio optimization and financial P&L levers.Proactive, self-directed, and able to work independently as well as collaboratively in a teamThe incumbent must have a good knowledge of the bank’s lending products, including Credit Cards, Line of Credits, Mortgages, and Auto Loans and should have familiarity with the Bank’s Risk Management activities.Proficiency utilizing a variety of analytical tools including Python, R, SAS, SQL and Excel and a solid knowledge and understanding of advanced analytical concepts and methodologies.A proven ability to extract and interpret data; transform it into meaningful and actionable business insights effectively and accurately.Exceptional oral and written communication skills, with a demonstrated ability to present and translate highly technical concepts to a wide audience.A strong sense of urgency and a proven ability to understand, and effectively assess multiple, ongoing requests.Strong prioritizing, planning, analytical, presentation, project management, people management and relationship building skillsProven track record of success in maintaining, leading and motivating a productive team of analytics professionals.Displays a high level of analytical maturity and sophistication, financial acumen and a solid understanding of profit drivers, KPIs and other factors that will contribute to successful growth initiatives.Bachelor’s Degree in Math, Engineering, Computer Science, Marketing, Economics or Statistics2+ years analytical experience required2+ years’ experience in Database Marketing and/or Risk AnalyticsMust be proficient with MS Office, SAS/Python, SQL, Power BI, TableauStrong prioritizing, planning, analytical, presentation, project management, people management and relationship building skills2+ years’ experience in Retail Products (preferred)Location Canada : Ontario : TorontoEEO Statement 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.#J-18808-Ljbffr