Scotiabank

Senior Manager, Portfolio Analytics & Reporting (Automotive)

Scotiabank • $100K — $130K *
Toronto, ON M3C 0E3In-Person
Manufacturing & Automotive
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Minimum 5 years of experience in customer experience improvement and process automation.
  • Proficiency in programming languages and database programs (SAS, Java, SQL, R, Hadoop, Python).
  • Strong project management and leadership skills for managing multiple initiatives.
  • Excellent communication, analytical, and problem-solving capabilities.
  • Knowledge of credit scoring, risk assessment, and portfolio management.
  • Preferred experience in retail lending or credit risk management.
  • University degree in a relevant STEM discipline or a master's degree in business/stats/economics.

Responsibilities

  • Utilize BI tools (SAS, Python, Tableau) for dynamic reports on key performance metrics.
  • Maintain performance monitoring on new accounts and ensure alignment with targets.
  • Assess strategy effectiveness and identify risk segments that affect provisioning estimates.
  • Respond promptly to ad-hoc requests from executives and stakeholders.
  • Synthesize large data sets into coherent insights for credit risk decisions.
  • Propose innovative risk strategies focused on maximizing risk/return.
  • Review and conduct analysis to improve credit quality and streamline processes.

Benefits

  • Opportunity to optimize portfolio performance and risk management.
  • Engaging work environment with cross-departmental collaboration.
  • Access to advanced data analytics and reporting tools.
  • Potential for professional growth within Global Risk Management.
  • Contribution to strategic decision-making affecting credit risk policies.
Full Job Description
Requisition ID: 266041

The mandate of this role is to oversee the Portfolio Risk Analytics & Reporting for the Automotive Lending portfolio to optimize risk/return within Global Risk Management to assist Canadian Banking judicious priorities. In this role, the incumbent will develop and monitor key performance indicators of the automotive portfolio scrutinized through different lenses to maximize risk adjusted return while managing portfolio PCL. The incumbent will provide the team along with business line partners advanced data assessment, monitoring and measurement on the health of the Automotive portfolio to ensure strategies and policies are within the Risk Appetite Framework.This position plays a key role by using data, systems, research and analysis to identify portfolio trends, risk and opportunities across Automotive lending portfolios (Prime, Lease and SDA) by setting prudent risk controls and applicable tactics.

The Senior Manager will proactively contribute to portfolio risk oversight by delivering comprehensive analytics that measure customer performance across multiple dimensions. The role is highly technical and requires expert SAS/Python, data analytics and BI tools skills.

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

1. Portfolio Analytics and Reporting
  • Use a variety of Business Intelligence analytical and reporting tools (i.e., SAS, Python, Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines. Lead new report creation and look for opportunities to optimize workstream through automation.
  • Maintain performance monitoring on new accounts acquired through different channels and special programs; ensure performance align with targets, explain discrepancies/ emerging trends that may impact portfolio health (short term and long term).
  • Assess strategy effectiveness and proactively identify if any risk segments are or will impact provisioning estimates as vintages mature.
  • Respond to adhoc requests from executives and key stakeholders with a sense of urgency. Perform required data pulls, collect and formalize to answer questions. Prioritization and working on more than one request at a time is often required.
  • Provide applicable insights and meaningful messages from the reporting to drive credit risk decisions. Able to tell a story by synthesizing vast amounts of data into coherent messages.
  • Identify opportunities and propose innovative risk strategies with focus on risk/return, asset-based lending with building a robust and competitive portfolio in mind.
  • Prepare/update/review portfolio monitoring decks and executive reports and ensure reporting accuracy with appropriate narration & commentary.
  • Review and conduct analysis of existing policy and procedures to identify, promote and lead opportunities to maintain credit quality, improve efficiency and effectiveness of originations procedures including streamlining, automating, and standardization; recommend changes to enhance performance and overall customer experience.


2. Compliance, Governance and Regulatory
  • Assist investigations and solutioning for questions/findings from OSFI, Internal Audit, Policy Adherence & Effectiveness (PAE) and ACE with appropriate data/reports including preparation of Audit/OSFI closure package in an appropriate /acceptable timeframe.
  • Liaise with the Fraud Department, Corporate Security and Collections to prepare Automotive portfolio specific First Party Credit Fraud, Credit Abuse Fraud and Synthetic ID Fraud monitoring KRI's and reports to identify and regularly report on high-risk accounts.


3. Automotive Financing Competitive Landscape
  • Stay informed of competitive landscape, partnering with the business line to ensure that as risk managers our processes, strategies and policies consider the changing landscape.
  • Develop and maintain relationships with external business partners (e.g., Credit bureaus and dealer portals) and similar position contacts in other financial institutions.


4. Assist Business Line Initiatives/projects
  • Ensure all business line judicious projects (i.e., new product launches, changes to existing product offerings, new channels, cross-functional projects, new acquisition framework, policy change initiatives) are consistent with Risk Appetite Framework. Recommend changes to business line strategies to ensure the Bank does not take on more credit risk than planned.
  • Represent Risk's point of view and liaise with the stakeholders (operations, product owners, collections, technology, governance) throughout the organization to listen actively, socialize, and explain risk measures clearly and as appropriate identify, evaluate, and address credit risk that arises from the development, deployment, interpretation, and maintenance of Credit Risk Policy in assist of new products/program development, portfolio performance issues, product enhancements, changes to the industry and regulatory landscape, and business operations.
  • Assist GRM effective challenge function, ensure Credit Risk Proposals are assisted with strong financial and quantitative analysis, credit risks are effectively assessed and measured. Conduct in-depth analysis on special programs, and assist policy enhancement.
  • Prepare and assess credit risk proposals and providing Senior Management with sound recommendations for changes to core policies, regulations and major business initiatives and portfolio level decisions that require GRM's authorization. This includes assessment of new program/product, new pilots or pilot extension or program renewals, etc.


Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:
  • A minimum of five years with an organization focused on improving the customer experience and automating processes, with a successful track record using analytical tools to conduct data analysis and generate business insights.
  • Proficiency in programming and/or database programs (SAS, JAVA, SQL, R, Hadoop, Python).
  • Project management and leadership skills to prioritize manage and implement a variety of contesting initiatives, on a concurrent or staggered basis.
  • Excellent communication and written skills complemented with analytical & problem-solving skills consistent with the ability to identify key issues from a broad range of alternatives as well as recommend optimal solutions for various situations.
  • Knowledge of credit scoring and risk assessment as well as portfolio management, risk analytics and collections to maximize the effectiveness of existing technology in providing competitive and effective solutions that respond to the credit needs of our customers.
  • Prior experience in a retail lending environment or credit risk management is preferred.
  • Must have a University degree in relevant STEM discipline (Science, Technology, Engineering and Mathematics) or a Master degree in business, statistics, economics, mathematics, management sciences or analytics


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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