Scotiabank

Manager, Analytics and BI

Scotiabank$100K — $120K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in a relevant field; MBA, CFA, FRM, or Master's in Analytics preferred.
  • 4+ years in Analytics, Marketing, or Finance with strong analytical skills.
  • Solid understanding of bank's lending products and Risk Management practices.
  • Proficient in analytical tools like GCP, Python, R, SAS, SQL, and Excel.
  • Experience with large-scale data relevant to portfolio analytics.
  • Ability to translate data into actionable business insights.
  • Strong communication and relationship-building skills.

Responsibilities

  • Support portfolio management analytics across Credit Card and Unsecured Lending.
  • Define and enhance portfolio health scorecards and KPI frameworks.
  • Conduct cohort and vintage analysis to understand customer evolution.
  • Identify emerging trends, risks, and opportunities for business strategy.
  • Provide analytical support on portfolio performance in collaboration with various teams.
  • Translate performance trends into insights and recommendations for stakeholders.
  • Monitor macroeconomic trends and assess their impact on portfolio performance.

Benefits

  • Diversity, Equity, Inclusion & Allyship initiatives for an inclusive culture.
  • Accessibility and Workplace Accommodations for all employees.
  • Opportunities for upskilling through courses and development.
  • Competitive Rewards program including flexible vacation and benefits starting day one.
  • Community Engagement programs for involvement and collaboration.
Full Job Description
Requisition ID: 272172

The Role:

The Manager, Analytics & BI supports portfolio management analytics across Credit Card and Unsecured Lending portfolios, with a focus on monitoring portfolio health, profitability, and customer behaviour. The incumbent will lead tracking, reporting, and insight generation on how back book and front book dynamics influence portfolio performance, customer mix, and revenue outcomes. This role partners closely with Finance, Product, Risk, Marketing, business, operations, and technology teams to translate data into actionable insights and recommendations that support portfolio optimization and business decision-making.

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

Portfolio Management, Performance Tracking & Data-Driven Insights
  • Support portfolio management analytics across Credit Card and Unsecured Lending portfolios, including ongoing tracking of performance, profitability, customer behaviour, and key portfolio health indicators.
  • Define, maintain, and enhance portfolio health scorecards and KPI frameworks to monitor customer, account, and financial performance trends.
  • Conduct back book, front book, cohort, and vintage analysis to understand how customer groups and portfolio mix are evolving over time.
  • Identify emerging portfolio trends, risks, and opportunities across customer segments, products, channels, vintages, and behavioural groups to inform business priorities and portfolio optimization strategies.
  • Provide regular and ad hoc analytical support on portfolio performance, profitability, and customer behaviour in partnership with Finance, Product, Risk, Marketing, and business teams.
  • Develop clear insights and recommendations to support portfolio growth, customer engagement, retention, balance management, and customer value creation.
  • Manage and prioritize recurring reporting deliverables, portfolio deep dives, and ad hoc analysis requests from internal stakeholders and business partners.

Reporting, Insights & Portfolio Analytics
  • Lead recurring reporting and deep-dive analysis on portfolio performance, including customer engagement, utilization, transactor versus revolver behaviour, profitability, and other key health metrics.
  • Translate portfolio performance trends into concise insights and recommendations for business partners and senior leadership, with clear articulation of drivers, risks, opportunities, and implications for portfolio strategy.
  • Identify key drivers of portfolio changes and distinguish between acquisition, customer behaviour, product mix, pricing, utilization, macroeconomic, and risk impacts.
  • Partner with Finance and business teams to assess profitability, revenue drivers, customer value, and the financial implications of portfolio mix changes.
  • Develop forward-looking indicators and early-warning views to identify emerging risks and opportunities across the portfolio.
  • Monitor macroeconomic and industry trends to assess their impact on portfolio performance and profitability.
  • Work with Global Risk Management to understand risk drivers and support strategies that balance growth, risk, and return.

Customer Focus, Risk Management & Controls
  • Champion a customer focused culture and leverage broader bank capabilities to deepen client relationships.
  • Consider the Bank's risk appetite, policies, and controls in day to day decisions and analysis.
  • Ensure effective business controls, including operational risk, regulatory compliance, AML/ATF, and conduct risk, in alignment with the Bank's risk frameworks.


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 Computer Science, Finance, Economics, Business, Engineering, Statistics, or related field. MBA, CFA, FRM, or Master's in Analytics preferred.
  • 4+ years of experience in Analytics, Marketing, or Finance, with strong analytical and statistical skills.
  • Solid understanding of the bank's lending products (Credit Cards, Lines of Credit) and familiarity with Risk Management practices.
  • Proficiency with analytical tools and technologies, including GCP/Big Data environments, Python, R, SAS, SQL, and Excel.
  • Experience working with large-scale account-level, customer-level, transaction-level, and financial performance data to support portfolio analytics and business decision-making.
  • Proven ability to extract, interpret, and translate data into meaningful, actionable business insights.
  • Demonstrated ownership mindset, structured problem-solving approach, and motivation to learn, grow, and continuously improve.
  • Strong communication skills with the ability to present technical concepts to diverse audiences.
  • Excellent prioritization, planning, presentation, project management, people leadership, and relationship building skills; consulting experience is an asset.


What's in it for you?
  • Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
  • Accessibility and Workplace Accommodations - 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.
  • Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.
  • Upskilling through online courses, cross-functional development opportunities, and tuition assistance.
  • Competitive Rewards program including bonus, flexible vacation, personal, sick days and benefits will start on day one.
  • Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, Humans of Digital and much 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
5 Year Trend
+7%
NASDAQ

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