Scotiabank

Senior Manager, Unsecured Lending Models

Scotiabank$100K — $130K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years of experience in credit risk analytics, specifically with Credit Card portfolios
  • Graduate degree in mathematics, computer science, engineering, or similar field
  • Demonstrated history of analytic problem solving and sound judgment
  • Proficient in analytical programming languages (Python, R, SAS) and SQL
  • 1+ years of experience with big data platforms (Hadoop, Spark)
  • Strong understanding of statistics and machine learning frameworks
  • Excellent verbal and written communication skills in English.

Responsibilities

  • Engage in thorough analysis to develop statistical solutions for forecasting and decisioning models
  • Collaborate with various departments to ensure effective governance and communication of model performance
  • Conduct innovative research into new modeling methodologies and regulatory requirements
  • Lead monitoring and recalibration of models and analytics tools periodically
  • Identify and execute process improvements for model development and monitoring
  • Verify the reliability and compliance of data used in model development

Benefits

  • Inclusive and collaborative working environment fostering creativity and success
  • Performance bonus and Employee Share Ownership Program offered
  • Pension Plan Matching included
  • Health benefits starting from day one
  • Career development and progression opportunities available
Full Job Description
Requisition ID: 264575

Is this role right for you? In this role, you will:
  • You believe, first and foremost, in always doing the right thing and doing things the right way.
  • You are both deeply curious and highly pragmatic.
  • You are comfortable with ambitious but realistic goals and are committed to achieving them.
  • You are social, engaging, not afraid to ask questions and relish the opportunity to learn from partners across the firm (who may be less technical than you)
  • You relish the opportunity and yet also understand the responsibility and weight that comes with the fact that the output of your models will directly influence the bank's financial statements or decisions that impacts a real human being.
  • You have a genuine love, passion and talent for programming, data, and predictive modeling.
  • You are committed to quality in everything you do - statistically, process and governance wise.
  • You look forward to sharing your insights through high-quality verbal & written communications.
  • You are professional, motivated, AND FUN. We mean it.
  • Complete specialized analysis, develop statistical solutions and recommend improvements to estimation techniques and/or forecasting and decisioning models.
  • Collaborate with risk management, vendors, technology, foreign counterparts, and compliance +audit to ensure effective governance, measurement & communication of model performance.
  • Conduct research of new innovative modeling methodologies, tools, and regulatory requirements.
  • Lead the periodic monitoring, recalibration and maintenance of models and analytic tools.
  • Identify, promote, and lead process improvements for model development and monitoring.
  • Ensure that the data used for model development is reliable and robust and that it adheres to industry and regulatory standards

    Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:
  • Experience in credit risk analytics, with direct hands-on/ knowledge experience in Credit Card portfolios
  • Knowledge of Credit Card Portfolios with a strong focus on origination, limit management, and Lifecyle risk optimization will be an asset.
  • Graduate degree in mathematics, Computer Science, Engineering, or an equivalent technical field
  • A demonstrated history of analytic problem solving and sound judgment.
  • Experience as an analyst or data scientist with a track record of accomplishments working on cross-functional teams.
  • Strong English-language verbal and written communications skills: the ability to distill abstract business requirements into analysis, concisely convey technical outcomes, tell a story visually with data, prepare and edit high-quality documentation and be accepted as a trusted advisor by peers.
  • Able to work remotely and on-site on multiple activities simultaneously and meet deadlines.
  • Strong fundamental understanding of statistics
  • Highly proficient in 1 or more analytical programming languages (Python, R, SAS, etc.), SQL (, Oracle, DB2, SQL Server) and multiple environments (Unix & Windows)
  • 1 or more years of experience with big data platforms / integration (Hadoop, Spark, Hive)
  • Experience training and deploying machine learning models using common Python opensource frameworks (i.e., scikit-learn) and/or Python DevOps
  • Microsoft Office (Excel, Word, PowerPoint, Teams, PowerBI) power user
  • Experience working with FICO / TSYS / CGI decision systems (TRIAD, OM, ACE, CACS)

    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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