Scotiabank

Manager, LMTs & Back End

Scotiabank • $90K — $110K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • University degree in Economics, Finance, Business, Mathematics, Advanced Analytics, Computer Science, or related field.
  • Minimum of three years of experience in credit risk and/or retail banking.
  • Proficiency in programming, database, and analytical tools like SAS, SQL, Python, and Power BI.
  • Experience with Angoss Knowledge Seeker and/or SAS Viya preferred.
  • Strong analytical, problem-solving, written, and verbal communication skills.
  • Project management, leadership, and organizational skills to manage multiple priorities effectively.
  • Experience in using credit risk scores

Responsibilities

  • Drive LMT strategy and portfolio performance.
  • Develop and refine LMT strategies for Retail and Small Business portfolios.
  • Design, monitor, and optimize treatment logic using predictive insights and approved thresholds.
  • Evaluate LMT effectiveness and customer treatment outcomes using historical and forward-looking indicators.
  • Identify emerging risks and prepare root-cause assessments for management.
  • Develop automated Power BI reporting solutions to improve transparency and analysis.
  • Partner with cross-functional teams to implement LMT strategies and assess credit risk implications.

Benefits

  • Opportunity to contribute to a forward-thinking, collaborative team in risk management.
  • Rewarding career path with diverse opportunities for professional development.
  • Access to internal training and resources for capability building.
  • Inclusive work environment encouraging collaboration and continuous improvement.
  • Tools and support to deliver high-impact risk and analytics solutions.
Full Job Description
Requisition ID: 268432

The Manager, Loss Mitigation Strategies, Reporting & Analytics supports Retail Risk Collections Strategy within Global Risk Management in Canada. The role develops and implements data-driven loss mitigation strategies, reporting, and portfolio analytics to strengthen risk oversight, improve collections performance, and support appropriate customer outcomes. Working with cross-functional partners, the Manager delivers assigned initiatives in alignment with business priorities, regulatory requirements, internal policies, and established risk appetite.

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

  • Drive LMT strategy and portfolio performance
  • Develop and refine LMT strategies across Retail and Small Business portfolios to improve customer outcomes, reduce losses, and support sustainable collections performance.
  • Design, monitor, and optimize treatment logic using predictive insights, segmentation, portfolio trends, and approved governance thresholds, including Risk Appetite limits, Early Warning Thresholds, policy exceptions, and disaster relief programs.
  • Evaluate LMT effectiveness, customer treatment outcomes, roll-rate performance, delinquency migration, loss mitigation benefits, and post-treatment results using historical cohorts and forward-looking indicators.
  • Identify emerging risks, portfolio trends, and threshold breaches, and prepare clear root-cause assessments and recommendations for management and governance forums.
  • Modernize analytics, reporting and decision support
  • Develop automated, self-service Power BI reporting solutions that improve transparency, enable drill-down analysis, reduce manual effort, and support timely decision-making across Collections Strategy, Operations, Risk, and senior leadership.
  • Leverage SAS, SQL, Python, Power BI, and related analytical tools to automate recurring processes, strengthen data controls, enhance segmentation, and translate complex data into actionable recommendations.
  • Conduct targeted analyses to explain performance drivers, identify improvement opportunities, and support management decisions.
  • Strengthen governance, controls and delivery
  • Partner with Collections Operations, Risk, Product, Technology, Fraud, and Governance teams to implement LMT strategies, assess credit risk implications, and align delivery with business and control requirements.
  • Support platform, data, and process changes, including TSYS migration, Project ALMA, CAMS, and post-migration reporting enhancements, through validation, testing, documentation, and issue resolution.
  • Apply the Bank's risk appetite and risk culture in day-to-day activities, decisions, and recommendations.
  • Promote effective and efficient operations in line with Scotiabank's Values, Code of Conduct, and Global Sales Principles, while maintaining strong operational, compliance, AML/ATF/sanctions, and conduct risk controls.
  • Contribute to a high-performance and inclusive work environment.
  • Identify opportunities to improve analytical rigor, productivity, and scalability.


Do you have the skills that will enable you to succeed? We'd love to work with you if you have experience with:

  • University degree in Economics, Finance, Business, Mathematics, Advance Analytics, Computer Science, or a related field.
  • Minimum of three years of experience in credit risk and/or retail banking.
  • Proficiency in programming, database, and analytical tools such as SAS, SQL, Python, and Power BI.
  • Experience with Angoss Knowledge Seeker and/or SAS Viya is preferred.
  • Strong analytical, problem-solving, written, and verbal communication skills, with the ability to identify key issues and recommend practical solutions.
  • Project management, leadership, and organizational skills, with the ability to manage priorities, deadlines, stakeholder expectations, and multiple initiatives effectively.
  • Experience using credit risk scores and applying them to strategy design and performance monitoring.
  • Results-driven mindset, strong curiosity, and the ability to analyze details without losing sight of the broader business context.


What's in it for you?

  • Opportunity to contribute to a forward-thinking, collaborative team focused on risk management, analytics, and collections strategy.
  • Rewarding career path with diverse opportunities for professional development and growth.
  • Access to internal training and development resources to support continued capability building.
  • Inclusive work environment that encourages collaboration, curiosity, and continuous improvement.
  • Tools and support required to deliver high-impact risk, analytics, and strategy solutions


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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