Director, Credit Risk Oversight

3 days ago

Marieville, Canada Scotiabank Full time

Requisition ID: 201178
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

The Director, Credit Risk Oversight & Analytics, Small Business, Global Risk Management, is liable for providing leadership and key oversight on the evaluation and decisions made on credit score and policy changes across the credit life cycle (adjudication, customer management and collections) with a focus on self-governing analysis of the risk-return trade-off given the credit risk profile of each proposal.

Job Responsibilities:

  • The Director will be liable for – from conception through execution and governance – development and optimization of risk strategies, decisioning and forecasting models specific to small business product lines (leveraging enterprise-level data management tools and lead advanced analytics & modeling experts to develop advanced risk prediction strategies and models). The Director will collaborate, on a regular basis, with a wide range of stakeholders and internal partners including Local Risk teams, Provisions, Product, Risk Strategy & Risk Management, Model Validation

  • Under his/her guidance, the team of risk analytics experts will develop and run advanced risk segmentations, strategies and forecasting models that will be used to help manage Small Business capital and exposures which will require high levels of accuracy and precision, relatively easy to explain, are compliant, secure, and useful.

  • Contribute to defining the credit risk appetite and facilitate analysis that ensures the Small Business portfolios are performing with acceptable risk measures. Proactively and thoroughly screen the portfolio for emerging and long run trends which require action – develop and implement plans to adjust risk-taking or mitigating as required.

  • Aim to be an industry leader in developing innovative solutions for Small Business through the use of advanced analytics, agile principles and disciplined risk governance. Lead a team whose mandate is to modernize Credit Risk, act as an idea incubator and analytical use cases accelerator, leveraging non-traditional data, advanced tools and enterprise systems. Lead a team that relies on Credit Science expertise and key business partners to provide consulting services within GRM and help build the next generation of credit solutions at Scotiabank.

  • Leads and drives a data-analytics focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge. The team will have access to both traditional SAS tools / SQL databases / Hadoop clusters and a modern machine learning stack that includes both public and on-premises private cloud computing, open source Jupyter development environments, and data visualization business intelligence tools

  • Lead key projects, in an agile rapid lab environment, aimed at accelerating benefits for customers and the bank, leveraging enterprise-level data management tools and advanced analytics. She/he will work closely with business line to apply advanced analytics techniques and tools. Identify and recommend opportunities to deliver innovative credit offers based on risk-reward framework and overall GRM's strategy.

  • Evaluate situations, derive insights, synthesize results, and socialize high-quality recommendations effectively, both verbally, and in writing

  • Builds a high-performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment, communicating vison/values/business strategy and managing succession and development planning for the team

Job Requirements:

  • The Director role requires rigorous logical thinking, curiosity, flexibility and great teamwork abilities.

  • The candidate will be at the intersection of math/stats, computer science and domain knowledge in Risk Management and/or Finance.

  • She/he will take a prima role in agile rapid labs and risk-reward strategy development to drive innovation and transformation throughout the Bank and Global Risk Management

  • Bachelor's Degree in Mathematics, Physics, Engineering, or an equivalent technical field

  • A demonstrated history of analytic problem solving and sound judgment, along with wworking experience prima and delivering complex risk analytics projects covering full credit life cycle

  • Strong central understanding of statistics. Highly proficient in 2+ analytical programming languages (SAS, Python, R, etc.), SQL (Teradata, Oracle, DB2, SQL Server), and multiple environments (Unix & Windows)

  • Working experience of machine learning and other Artificial intelligence techniques for strategy create

  • Ability to lead create thinking and conduct ideation work sessions in agile rapid lab environment.

  • Must possess financial management and effective resource management skills combined with excellent decision-making skills.

  • Strong analytical skills and the ability to create and interpret information/data required to monitor the performance of the retail credit functions are essential.

  • Good understanding Small Business Banking operations across all channels

  • Must have organizational know-how, strong social skills, and influence in order to promote acceptance of new credit risk management methodologies and obtain commitment from others to facilitate the achievement of risk management goals and objectives.

  • Must be able to articulate their viewpoint/opinions to all levels within Scotiabank, as well as to senior executives. The incumbent must be able to represent Scotiabank on risk management issues in a multitude of external venues (e.g., government regulators, banking committees, external auditors, industry associations, credit risk forums/roundtables, etc.).

Location(s): Canada : Ontario : Toronto
Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.
At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

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