Scotiabank

Director, Financial Analytics & Liability Management - Loyalty

Scotiabank • $120K — $150K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Business degree or MBA; CFA/CPA preferred
  • Background in finance, mathematics, or actuarial science
  • 5+ years in loyalty analytics, finance, or consulting
  • Understanding of global loyalty financial analytics trends
  • Strong modeling and business casing skills
  • Excellent communication and presentation abilities
  • Analytical, detail-oriented with strong critical thinking skills
  • Proven leadership in high-pressure environments

Responsibilities

  • Generate data-driven business insights from customer behavior
  • Develop strategic KPI frameworks for performance storytelling
  • Integrate data across analytics platforms and financial models
  • Introduce innovative analytical methodologies and predictive tools
  • Lead detailed financial modeling and forecasting for loyalty programs
  • Oversee key financial metrics for loyalty performance
  • Provide risk assessments for loyalty programs based on data analysis

Benefits

  • Join a forward-thinking collaborative team
  • Diverse opportunities for professional growth
  • Internal training for skill enhancement
  • Inclusive work environment celebrating creativity
  • Access to modern office amenities and collaboration spaces
Full Job Description
Requisition ID: 268628

This role is the singular driving perspective for Loyalty analytics, insights and financial performance at Scotiabank. The Director designs, implements and iterates on how Loyalty analytics work in service of financial performance and the roadmap for insight-generated functions for the Loyalty team. In concert with a clear understanding of performance drivers and Loyalty's strategic direction, the role contributes to the overall business objectives of Cards, Loyalty, Payments & Client Experience.

Is this role right for you? In this role, you will:
  • Loyalty Analytics and Insights Leadership
    • Generate data-driven business insights
      • Analyze customer behavior, earn/redemption patterns, and program engagement to identify trends, risks, and opportunities across banking, partnerships and loyalty program members.
      • Translate insights into recommendations that influence program design, value proposition, marketing planning and financial performance.
    • Deliver strategic KPI frameworks and performance storytelling
      • Visualization and analytical frameworks that synthesize financial and customer data into clear, executive-level insights.
      • Identify drivers of performance and intent trends across retail banking and partnerships leveraging digital and POS channels.
    • Integrate data across internal and external ecosystems
      • Define analytics opportunities and requirements, creating alignment across analytics partners, platforms, and financial models.
      • Leverage external benchmarks and industry insights to enhance internal modeling approaches.
    • Advance analytics innovation
      • Introduce new methodologies, tools, and analytical techniques to improve predictive accuracy and insight generation.
      • Drive continuous improvement in data quality, acquisition, modeling capabilities, and insight delivery.
      • Provide recommendations on leveraging AI for agility and integration of marketing plans.


  • Loyalty Financial Analysis
    • Lead advanced liability modeling and forecasting
      • Design, refine, and interpret financial and actuarial models to project loyalty program liabilities and customer redemption behavior.
      • Continuously strengthen models using internal data and external expertise.
    • Financial performance analytics
      • Develop and oversee key financial metrics including cost per point, earn-to-burn ratios, redemption mix, and liability trends.
      • Provide forward-looking analysis to support financial planning, forecasting, and scenario modelling.
    • Enable data-informed business casing
      • Develop robust financial models and scenario analyses to evaluate new loyalty strategies, partnerships, and reward structures.
      • Assess ROI, cost implications, and long-term liability impact of proposed initiatives.
    • Act as a central analytics partner to Finance and Strategy teams
      • Provide insights on loyalty P&L, financial forecasts, and liability drivers to support enterprise financial decision-making.
      • Align analytics with broader financial planning and business strategy priorities.
    • Provide strategic risk insight
      • Assess financial and behavioural risks embedded in loyalty programs, incorporating risk appetite considerations into modeling and analysis.
      • Highlight potential exposure and mitigation strategies through data-driven insights.


Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:
  • Business Degree or MBA. CFA/CPA considered an asset
  • Strong background in finance, mathematics, and/or actuarial science
  • 5+ years in loyalty analytics, loyalty finance, loyalty rewards or consulting
  • Demonstrated experience and understanding of global loyalty financial analytics trends and business models
  • Strong modelling and business casing skills
  • Excellent written, presentation and communication skills, ability to communicate on a broad spectrum (from operational discussions to high-level, executive vision)
  • Excellent analytical and critical thinking capabilities
  • Excellent attention to detail, initiative and strong translation skills to relay analytics findings into business outcomes and recommendations.
  • Results-oriented, self-starter, with highly effective strategic influencing and negotiating skills.
  • Strong leadership skills to motivate and lead team through times where deliverables are high pressure/high risk/tight timelines.
  • Demonstrated ability to work in a fast-paced, high-energy environment with a proven ability to meet multiple deadlines and tasks.
  • Excellent project delivery skills, with proven accomplishments leading cross-functional projects.


What's in it for you?
  • The opportunity to join a forward-thinking and collaborative team, surrounded by innovative thinkers
  • A rewarding career path with diverse opportunities for professional development
  • Internal training to support your growth and enhance your skills
  • An inclusive working environment that encourages creativity, curiosity, and celebrates success!
  • Work in an Ecosystem; a bright, modern space where you'll have access to group seating, offices, collaboration spaces, a cafeteria with different options daily, a bistro, and more


Location(s): Canada : Ontario : Toronto

About Scotiabank

Scotiabankers are committed to helping individuals, companies, and communities to thrive in a changing world. From personal and business banking, brokerage, and insurance, to private wealth, and the most sophisticated commercial, corporate and institutional services, they serve the diverse needs of some 21 million customers in more than 55 countries. Founded in 1832 in Halifax, Nova Scotia, their growth has always been fuelled by the success of their customers and their longevity secured by an unshakable commitment to carefully and expertly managing risk and capital. That focus on doing what's right for customers—short- andlong-term—has made us a global financial services leader. Headquartered in Canada, they are over 86, 000 Scotiabankers strong. Each of us are committed to being the best at understanding their customers' needs and all of us working together to deliver practical advice and relevant solutions that help their customers become financially better off.

Scotiabank Careers

Join Scotiabank, a premier financial institution, and become part of a diverse and inclusive team that’s leading the way in global banking. At Scotiabank, we offer more than just job opportunities; we provide a platform for professional growth and innovation in the financial services industry.

Work You’ll Do

At Scotiabank, we’re not just filling positions; we’re cultivating leaders. Dive into a workplace where diversity training and leadership development shape the path to your future. Our commitment to professional growth is evident in our robust training programs and continuous learning opportunities that foster innovation and strategic thinking.

Explore a World of Opportunities

Whether you’re looking for a full-time position, an internship, or a leadership role, Scotiabank has a spectrum of opportunities to fit your career ambitions. Our team is composed of individuals who bring a wealth of skills and perspectives to our company, driving us forward with their creativity and strategic insights.

Innovative Work Environment

Scotiabank’s culture is one of collaboration and respect, where each team member’s contribution is valued. Engage in meaningful work that challenges you to leverage your skills and push the boundaries of what’s possible in the banking sector. Our innovative projects not only support the growth of the company but also ensure our position as a leader in the industry.

Benefits and Growth

Choosing a career at Scotiabank means opting for a life of growth and opportunity. Our employees enjoy competitive benefits, including comprehensive health coverage, retirement plans, and flexible working conditions, all designed to support your career and personal life. We believe in nurturing our team’s potential by providing them with the tools they need to succeed both professionally and personally.

Join Our Team

Ready to take the next step in your career? Explore the job opportunities at Scotiabank by searching our open positions that match your skills and interests. We are continuously hiring and looking for passionate, curious, and solution-driven team players.

Networking and Professional Development

Stay connected and advance your career through Scotiabank’s extensive networking opportunities. Participate in events that connect you with other professionals and leaders within the industry. Our career resources will help you prepare your resume, ace your interviews, and land the job that best suits your career goals.

Stay Ahead

Keep up to date with the latest in career tips, industry insights, and company news—all from the people who work here at Scotiabank. Personalize your experience by subscribing to job alert emails tailored to your preferences and be the first to know about new openings and exciting developments. Join Scotiabank and be part of a team that values integrity, respect, and accountability. Discover how your career can flourish in an environment committed to your professional development and personal growth.
Learn more about Scotiabank
Size
90,619 employees
Market Cap
$57.5 billion
Industry
Finance & Insurance
5 Year Trend
+7%
NASDAQ
BNS
* Ladders Estimates

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