Manager, Account Management

Scotiabank•Toronto, ON

4d•Onsite

About The Position

The Manager, Credit Risk Account Management supports the development, execution, and ongoing monitoring of credit risk account management strategies for Credit Cards and Unsecured Lending portfolios. This role focuses on strategy development, advanced analytics, portfolio performance monitoring, and reporting to support effective risk management and optimize risk‑adjusted returns for Canadian Banking within Global Risk Management.

Requirements

Bachelor’s degree in business, statistics, economics, mathematics, management science, analytics, or a related discipline.
Typically 3–5 years of experience within a financial institution, ideally in credit risk management, account management strategies, or unsecured lending.
Working knowledge of SAS and SQL or similar analytical/statistical tools; Python experience is a strong asset.
Strong analytical, reporting, and MIS skills, with the ability to extract, analyze, and interpret large datasets.
Strong analytical thinking and problem‑solving skills.
Clear written and verbal communication skills, including the ability to explain portfolio performance.
Ability to manage multiple priorities in a regulated environment.

Nice To Haves

Python experience is a strong asset.

Responsibilities

Support the design, development, and enhancement of account management credit risk strategies, with a focus on Credit Limit Decrease (CLD) and risk mitigation.
Perform analytical assessments leveraging credit bureau data, internal performance metrics, and approved third‑party data to inform strategy decisions.
Support champion/challenger testing and continuous improvement of account management strategies, including CLD targeting, thresholds, and segmentation.
Assist with the automation and simplification of strategy logic, controls, and monitoring processes to improve efficiency and scalability.
Monitor portfolio performance across key credit risk metrics, including delinquency rates, roll rates, utilization, exposure at risk, and charge-off trends.
Develop, maintain, and enhance portfolio monitoring reports and dashboards (e.g., Power BI) for management and senior leadership.
Identify emerging risks, adverse trends, or strategy performance gaps, and escalate clear, data-driven insights.
Produce ad‑hoc analyses and deep dives to support management reviews, strategy optimization, and governance forums.
Participate in Credit Card and Unsecured Lending initiatives focused on account management strategies and portfolio de-risking.
Support the review of business cases, risk proposals, and requirements documents through analytical input and impact assessment.
Work closely with Product, Risk, Fraud, Technology, and Operations teams to support the implementation and monitoring of approved strategies.
Handle escalations from business partners, including reviewing and re-evaluating account management strategy outcomes.
Support OSFI, Internal Audit, and other regulatory reviews through analysis, reporting, and issue tracking related to account management strategies.
Partner with Fraud Management and Security teams to support portfolio-level risk mitigation and investigations as required.
Build effective working relationships with internal partners across Risk, Product, Analytics, and Operations.
Communicate portfolio performance, strategy impacts, and analytical insights clearly and concisely to senior stakeholders.
Provide informal coaching, guidance, and knowledge sharing to analysts as needed.