Director, Resl Portfolio Management

3 months ago

Toronto, Canada Scotiabank Full time

Requisition ID: 206809

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

Join a purpose driven winning team, acted to results, in an inclusive and high-performing culture.

Reporting to the VP, Canadian Secured Lending, the Director will work closely with senior management, GRM colleagues, business line leads, and a diverse set of stakeholders to generate insights and deliver strategic recommendations. You will also drive analyses, oversight, and strategic thought leadership for Mortgage, HELOC Portfolios, ensuring business strategies, plans and initiatives are assisted in compliance with governing regulations, internal policies, and procedures.

**Responsibilities**:

- Monitor RESL portfolio indicators, proactively assessing performance alongside macro-economic and external trends; collaborate with the Director, Secured Lending Policy, and Governance and GRM colleagues to establish recommendations based on data-driven observations and analyses.
- Lead sensitivity analyses to essay performance benchmarks against various external environments; lead cross-functional teams to establish scenario frameworks and readiness playbooks by identifying and prioritizing levers.
- Senior Executive assist for performance trending across portfolio, and preparation of strategic communication materials for Canada Credit Committee and Senior Credit Committee Meetings as required.
- Complete competitive / business environment research and benchmarking to find emerging issues and trends and assess the impact / implications of those trends.
- Measure and monitor credit score and policy changes across the credit life cycle (adjudication, customer management and collections) with a focus on autonomous analysis of the risk-return trade-off.
- Triangulate internal data analyses with macro-economic and consumer trend reports to define customer vulnerability frameworks; establish an integrated set of performance benchmarks to continuously monitor segment performance.
- Collaborate with GRM colleagues to improve portfolio monitoring and account management capabilities through integration of new models and frameworks.
- Assist annual strategic planning process through thought leadership on implications to KPIs and risk related metrics, based on business objectives and growth plans.
- Lead analyses and strategy development for Retail Credit Risk initiatives related to Capital optimization and Risk Adjusted Return on Capital
- Collect, process, and perform statistical analysis (prescriptive to predictive) on complex datasets to inform risk decisions.

**Job Requirements**:

- Must have a university degree in relevant STEM discipline (Science, Technology, Engineering and Mathematics) or a master’s degree in business, statistics, economics, mathematics, management sciences or analytics.
- 10 years of relevant work experience in credit risk and analytics
- Exceptional problem-solving skills, with ability to manage ambiguity.
- Strategic orientation with strong innovative and integrative acumen
- Strong analytical skills and ability to create and interpret information/data required to monitor the performance.
- Able to effectively manage relationships across the Bank.
- Excellent Executive communication and storyboarding skills
- Strong leadership and social skills that facilitate an effective team environment.
- Demonstrated commitment to coaching and developing staff.
- Highly organized with demonstrated ability to make decisions in time pressured environment

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.

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