Scotiabank

Manager, Revenue Optimization - Credit Risk Strategy and Business Optimization

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

  • Bachelor's degree in Statistics, Computer Science, Business, Finance, Economics, Commerce or related field
  • 2+ years experience in commercial banking, pricing, or strategy roles
  • Proficiency in SQL and Python
  • Experience with data visualization tools like Power BI
  • Strong analytical skills, including building statistical models

Responsibilities

  • Analyze portfolio KPIs and identify revenue leakage opportunities
  • Develop pricing strategies for customer segments and products
  • Create automated dashboards for performance monitoring
  • Translate complex analyses into executive-level communication
  • Support front-line teams in improving pricing decisions

Benefits

  • Collaborative work environment
  • Opportunities for professional development
  • Access to advanced analytics tools
  • Engagement with cross-functional teams
  • Potential for impactful contributions to revenue optimization strategies
Full Job Description
Requisition ID: 274675

Drive portfolio profitability and revenue integrity by identifying and executing opportunities to optimize pricing, spread, funds transfer pricing (FTP), fee generation and relationship economics, while detecting revenue leakage and supporting proactive revenue optimization strategies.

Reporting to the Senior Manager, Revenue Optimization, the Manager supports Profitability Optimization and Loan Portfolio Management within Canadian Commercial Banking through analysis of loan and relationship economics, revenue recognition methodologies, systems, front-line practices and NII/NIR generation.

The role combines analytics, commercial judgment and strategic problem solving to identify material revenue opportunities, understand the behaviours and process gaps driving outcomes, and translate findings into practical recommendations, executive-ready communications and front-line actions. The Manager works through influence across business, pricing, treasury, product, credit, analytics and technology partners to improve pricing discipline, adoption and measurable business results.

Key Accountabilities:

Portfolio Monitoring & Revenue Optimization
  • Monitor and analyze portfolio KPIs, including NII, NIR, fees, FTP, spread, pricing realization, relationship profitability and risk-adjusted returns
  • Identify, quantify and investigate revenue leakage drivers, including pricing gaps, booking inconsistencies, behavioural patterns and data or system issues
  • Apply strategic and commercial judgment to prioritize opportunities based on financial impact, client value, risk appetite and operational practicality
  • Support the development and enhancement of customer segment, product and relationship-level pricing strategies to optimize risk-adjusted returns and client profitability
  • Use peer benchmarking and portfolio analysis to identify potentially mispriced deals, renewals and outliers, and develop practical pricing considerations for business partners


Analytics, Insights & Executive Communication
  • Develop and maintain automated dashboards and KPI reporting to monitor portfolio performance and pricing effectiveness
  • Integrate and analyze data from multiple systems, including pricing platforms, loan systems, nCino and the data lake
  • Leverage tools such as Python, SQL and Power BI to improve data processing, analysis and reporting efficiency
  • Perform trend, scenario, portfolio, segment and deal-level analysis to diagnose performance drivers and support pricing and portfolio management decisions
  • Synthesize complex analysis into clear executive narratives, strategic implications and prioritized recommendations for senior management and non-technical audiences
  • Prepare concise, decision-oriented presentations, business cases and briefing materials that communicate the issue, financial impact, recommended action and implementation considerations


Behaviour Change & Business Adoption
  • Develop an understanding of Relationship Manager behaviours, pricing decision points and deal execution practices to identify where coaching, guidance, playbooks or process changes can improve outcomes.
  • Translate analytical findings into practical tools and discussion materials that support more consistent and confident pricing decisions by front-line teams
  • Partner with business leaders and front-line teams to investigate pricing exceptions, understand root causes, recover value where appropriate and reduce recurring issues
  • Support adoption through training, coaching, presentations, office hours and practical playbooks, and monitor whether interventions are changing behaviours and improving financial outcomes
  • Design test-and-learn approaches to assess pricing tactics, coaching interventions and product or process enhancements, with a focus on measurable revenue, adoption and client impact


Stakeholder Collaboration
  • Collaborate with Relationship Managers, District and Regional leadership, Analytics, Treasury, Product, Credit Solutions, Technology, Client Measurement and Salesforce/nCino teams to advance pricing and revenue initiatives
  • Provide analytical and strategic support for priority initiatives, business cases and ad-hoc requests
  • Influence stakeholders through evidence-based recommendations, constructive challenge, facilitation and clear communication of commercial trade-offs
  • Build trusted relationships across technical and business teams and support alignment on priorities, decisions, actions and accountabilities


Dimensions
  • The Business Bank is a large contributor to Canadian Banking, generating NIAT of $600MM+ and comprising numerous sub-business lines supported by more than 1,000 FTE across Canada
  • The Manager receives direction from the Senior Manager, Revenue Optimization and works independently to identify, develop and implement strategies and achieve results
  • A high degree of judgment is required to assess ambiguous business issues, balance competing commercial considerations, prioritize initiatives and create clear direction for cross-functional work


Education / Experience / Other Information

Educational Requirements
  • Bachelor's degree in Statistics, Computer Science, Business, Finance, Economics, Commerce or a related field, or equivalent practical experience
  • MBA, relevant master's degree or professional designation would be considered an asset


Experience
  • Minimum of 2+ years of experience in commercial banking, pricing, profitability management, strategy, finance, analytics, product management or a related business partner role preferred
  • Experience in business banking operations would be an asset
  • Familiarity with internal systems such as STO, SDR, OLL and Intralink is an asset
  • Excellent analytical skills, including the ability to source, manipulate and interpret data, diagnose business issues and make informed recommendations. Experience building statistical models is an asset
  • Proficiency in SQL, Python and business intelligence tools such as Power BI is preferred
  • Experience translating analytical findings into strategic recommendations, executive communications or business-facing decision support
  • Experience influencing front-line teams, business partners or senior stakeholders through insight, coaching, presentations and practical recommendations is preferred


Skills
  • Strategic thinking and commercial judgment, with the ability to connect analysis to business priorities and balance client competitiveness, profitability, risk appetite and operational practicality
  • Excellent written, verbal and presentation skills, with the ability to communicate complex pricing, profitability and analytical concepts clearly to executive, business and technical audiences
  • Strong relationship-building, influencing, facilitation, prioritization, project management and planning skills
  • Comfort working with analytics and BI tools, with sufficient technical fluency to ask the right questions and partner effectively with analytics and technology teams
  • Ability to create practical tools, playbooks, training materials and presentations that support adoption and sustained behaviour change.
  • High degree of initiative, adaptability, curiosity and sound judgment, with the ability to manage competing priorities and drive outcomes through ambiguity
  • Attention to detail and a strong drive to deliver high-quality work on time.


Working Conditions
  • Work in a standard office-based environment


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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