Scotiabank

Manager, Account Management

Scotiabank$90K — $120K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in business, statistics, economics, mathematics, management science, analytics, or related field.
  • 3-5 years of experience in a financial institution, with a focus on credit risk management or unsecured lending.
  • Proficiency in SAS and SQL, with Python knowledge considered a strong asset.
  • Solid analytical and reporting skills for interpreting large datasets.
  • Effective communication skills, both written and verbal, to convey complex insights clearly.
  • Ability to navigate multiple priorities within a regulated environment.

Responsibilities

  • Support the development and enhancement of credit risk account management strategies.
  • Conduct analytical assessments using credit bureau and internal data to guide strategy.
  • Engage in champion/challenger testing to refine account management approaches.
  • Automate strategy logic and monitoring processes for improved efficiency.
  • Monitor key credit risk metrics and report on portfolio performance trends.
  • Create and maintain dashboards for management review on risk metrics.
  • Collaborate with various teams to implement and oversee approved risk strategies.

Benefits

  • Inclusive and collaborative work environment that fosters creativity and curiosity.
  • Competitive rewards package including performance bonus, employee share ownership, and pension matching.
  • Comprehensive health benefits available from day one.
  • Access to career development and growth opportunities.
Full Job Description
Requisition ID: 265402

The Manager, Credit Risk Account Management supports the development, execution, and ongoing monitoring of credit risk account management strategies for Credit Cards and Unsecured Lending portfolios. This role focuses on strategy development, advanced analytics, portfolio performance monitoring, and reporting to support effective risk management and optimize risk-adjusted returns for Canadian Banking within Global Risk Management.

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

Support Credit Risk Strategy Development
  • Support the design, development, and enhancement of account management credit risk strategies, with a focus on Credit Limit Decrease (CLD) and risk mitigation.
  • Perform analytical assessments leveraging credit bureau data, internal performance metrics, and approved third-party data to inform strategy decisions.
  • Support champion/challenger testing and continuous improvement of account management strategies, including CLD targeting, thresholds, and segmentation.
  • Assist with the automation and simplification of strategy logic, controls, and monitoring processes to improve efficiency and scalability.

Portfolio Monitoring & Reporting
  • Monitor portfolio performance across key credit risk metrics, including delinquency rates, roll rates, utilization, exposure at risk, and charge-off trends.
  • Develop, maintain, and enhance portfolio monitoring reports and dashboards (e.g., Power BI) for management and senior leadership.
  • Identify emerging risks, adverse trends, or strategy performance gaps, and escalate clear, data-driven insights.
  • Produce ad-hoc analyses and deep dives to support management reviews, strategy optimization, and governance forums.

Business Line Initiatives & Project Support
  • Participate in Credit Card and Unsecured Lending initiatives focused on account management strategies and portfolio de-risking.
  • Support the review of business cases, risk proposals, and requirements documents through analytical input and impact assessment.
  • Work closely with Product, Risk, Fraud, Technology, and Operations teams to support the implementation and monitoring of approved strategies.
  • Handle escalations from business partners, including reviewing and re-evaluating account management strategy outcomes.

Regulatory, Audit & Fraud Support
  • Support OSFI, Internal Audit, and other regulatory reviews through analysis, reporting, and issue tracking related to account management strategies.
  • Partner with Fraud Management and Security teams to support portfolio-level risk mitigation and investigations as required.

Stakeholder & Team Collaboration
  • Build effective working relationships with internal partners across Risk, Product, Analytics, and Operations.
  • Communicate portfolio performance, strategy impacts, and analytical insights clearly and concisely to senior stakeholders.
  • Provide informal coaching, guidance, and knowledge sharing to analysts as needed.


Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:
  • Bachelor's degree in business, statistics, economics, mathematics, management science, analytics, or a related discipline.
  • Typically 3-5 years of experience within a financial institution, ideally in credit risk management, account management strategies, or unsecured lending.
  • Working knowledge of SAS and SQL or similar analytical/statistical tools; Python experience is a strong asset.
  • Strong analytical, reporting, and MIS skills, with the ability to extract, analyze, and interpret large datasets.
  • Strong analytical thinking and problem-solving skills.
  • Clear written and verbal communication skills, including the ability to explain portfolio performance.
  • Ability to manage multiple priorities in a regulated environment.


What's in it for you?
  • An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
  • We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!
  • Your career matters! You will have access to career development and progression opportunities.


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
5 Year Trend
+7%
NASDAQ

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