Senior Manager, Account Management

Scotiabank • Toronto, ON

1d • Onsite

About The Position

The Senior Manager, Transaction Level Authorization (TLA) is responsible for the design, implementation, monitoring, and optimization of transaction-level authorization strategies for Credit Card and Unsecured Lending portfolios. The role balances risk and reward by leveraging TSYS-TRIAD decisioning capabilities to manage overlimit, delinquent, and cash authorization requests while supporting portfolio growth and profitability objectives. The TLA strategy evaluates transaction-level risk against customer profiles and the Bank’s risk appetite.

Requirements

• 5+ years of experience in Credit Risk, Account Management, Portfolio Management, Analytics, or Strategy roles.
• Strong knowledge of Credit Card and/or Unsecured Lending portfolios.
• Experience with risk decision engines such as TSYS, TRIAD, or similar authorization platforms preferred.
• Advanced analytical skills with proficiency in SAS, SQL, Python, Power BI, or equivalent tools.
• Experience developing business cases, risk strategies, and performance monitoring frameworks.
• Strong communication skills with the ability to influence senior stakeholders and present complex findings to leadership.
• Strong blend of risk management, analytics, and business strategy expertise.
• Ability to translate data into actionable business decisions.
• Proven experience leading cross-functional initiatives and complex system implementations.

Responsibilities

• Own and enhance TLA strategies across Credit Cards and ULOC, including authorization limits, decline logic, exclusions, and customer segmentation.
• Develop and implement risk-based decision strategies within TSYS-TRIAD to optimize customer experience, profitability, and portfolio performance.
• Lead strategy development through data analysis, business case preparation, testing, implementation, and post-launch monitoring.
• Monitor approval rates, losses, delinquency performance, and risk-adjusted profitability to identify optimization opportunities.
• Prepare and present recommendations, performance results, and strategy changes to senior leadership and governance committees.
• Partner with Product, Technology, Analytics, Model Validation, Collections, and Operations teams to deliver strategic initiatives and system enhancements.
• Ensure all strategies comply with internal policies, risk appetite, governance requirements, and regulatory expectations.

Benefits

• A rewarding career path with diverse opportunities for professional development.
• Internal development to support your growth and enhance your skills.
• A competitive compensation and benefits package.
• An organization committed to making a difference in our communities– for you and our customers.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed