Portfolio Analytics Manager - Scotiabank, Toronto

About the role

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Explore Scotiabank jobs and build your career where your work directly informs risk strategies.

The Manager, Portfolio Analytics & Insights is responsible for delivering high-quality portfolio monitoring, analytics, and insights for the Unsecured Lending portfolio. Operating as a senior individual contributor with emerging leadership responsibilities, you will support the Senior Manager and Director in driving data-driven decision-making, enhancing monitoring capabilities, and informing risk strategies. This position combines strong technical execution with business acumen and effective communication to translate portfolio performance into actionable insights for senior stakeholders.

Responsibilities

In this Scotiabank career opportunity, your core responsibilities encompass portfolio monitoring, analytics, data quality, and stakeholder collaboration:

• Design, develop, and maintain portfolio monitoring dashboards and scorecards using Power BI or equivalent covering credit performance, delinquency trends, losses, PCL, vintages, and early warning indicators
• Perform deep-dive analytics to investigate portfolio trends, variances, and emerging risks
• Analyze performance across acquisition channels, programs, and segments to identify key risk drivers
• Execute complex data extraction, transformation, and analysis using SQL, SAS, Python, and or Excel
• Translate analytics into clear, structured, and actionable insights for senior leadership
• Support development of executive-ready materials for governance forums, regulatory requests, and business reviews
• Provide recommendations to improve portfolio performance, credit quality, and risk-adjusted returns
• Deliver timely and high-quality responses to ad-hoc analytical requests
• Ensure data accuracy, integrity, and consistency across analytics outputs
• Perform reconciliation, validation, and quality control checks across multiple data sources
• Proactively identify and resolve data issues, gaps, or inconsistencies
• Maintain documentation on data logic, definitions, and methodologies to support audit and governance requirements
• Identify opportunities to improve efficiency, scalability, and consistency of analytics processes
• Drive automation and standardization initiatives using SQL, SAS, Python, and BI tools
• Contribute to the evolution of portfolio monitoring frameworks and data infrastructure
• Partner with stakeholders across Product, Finance, Collections, and Strategy teams to support initiatives such as new programs, policy changes, credit strategy adjustments, and portfolio risk assessments
• Provide subject matter expertise on portfolio performance and risk drivers
• Build strong working relationships and influence decision-making through data-driven insights

Requirements

To succeed in this role and contribute to Scotiabank analytics initiatives, candidates should meet the following qualifications:

• 3 to 5 years of experience in portfolio analytics, credit risk, or financial analytics
• Experience in unsecured lending products such as Credit Cards and ULOC is strongly preferred
• Proven ability to manage end-to-end analytics deliverables
• Bachelor’s degree in a quantitative or business discipline such as Mathematics, Statistics, Economics, Finance, or Computer Science, or compensating work experience
• Graduate degree considered an asset
• Strong hands-on experience in data analysis and portfolio monitoring
• Proficiency in SQL, SAS, or Python (required)
• Strong experience with Power BI or similar visualization tools
• Ability to structure complex analyses and communicate insights effectively
• Strong analytical thinking and problem-solving skills
• High attention to detail and data accuracy
• Effective communication and data storytelling
• Ability to balance multiple priorities in a fast-paced environment
• Ownership mindset with a proactive approach to identifying opportunities

The team

When you join Scotiabank, you gain access to an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success. Scotiabank offers a competitive rewards package including a performance bonus, Employee Share Ownership Program, Pension Plan Matching, and health benefits from day one. Your career matters here, with direct access to career development and progression opportunities.