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Manager, Customer Risk Analytics, Retail Credit Risk
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Requisition ID: 230491
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
The Manager, Customer Risk Analytics, Retail Credit Risk, GRM is responsible in monitoring, conducting analysis and making fact-based recommendations across Retail Credit portfolios. The incumbent will deliver customer level analysis in order to provide holistic actionable insights and product-specific risk analytics. Analytics will include, but not limited to, monthly monitoring on balances, delinquency, portfolio and acquisition credit quality. The role is highly technical and requires expert SAS/Python, data analytics and BI tools skills. The incumbent will deliver ongoing portfolio reporting and monitoring to senior management, as well as address ad-hoc data requests. This role works with multiple stakeholders and partners within and outside Scotiabank.
**Is this role right for you? In this role, you will**:
**Accountability 1**:Retail Credit Risk Portfolios Tracking & Reporting**
- Use a variety of analytical and reporting tools (ex. SAS, Python, Tableau) to provide dynamic reporting on key performance metrics to various stakeholders in GRM and business lines.
- Respond to adhoc requests from executives and key stakeholders with a sense of urgency. Perform required data pulls, reconciliations to answer questions. Prioritization and working on more than one request at a time is often required.
- Provide actionable insights and meaningful messages from the reporting to drive credit risk decisions. Able to tell a story by synthesizing vast amounts of data into coherent messages.
- Proactively provide strategic analysis that will assist in optimizing risk rewards ratios and grow the portfolios.
- Collaborate with Acquisition, Account Management and Collections teams to provide measurement and reporting on strategic initiatives such as acquisition dynamics and quality, line optimization and collections effectiveness
**Accountability 2: Customer Risk Analytics**
- Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Identification of portfolio trends and key statistics using advanced analytics; Effective and timely communication of strategic and operational results to the business teams
- Provide analytical support on a regular and ad-hoc basis focusing on driving business growth and profits and minimizing loss
- Leverage internal/external analytics tools as well current macroeconomic & industry trend to evaluate its impact on customer & profitability of the bank; keep senior management abreast with these insights and recommendation to mitigate those risks
- Work closely with Global Risk Management teams to understand intrinsic & external risk factors for the lending portfolio; develop risk management strategies to optimize risk and revenue
- Using our data, continually develop and refine a more holistic customer view.
**Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have**:
- In-depth analytics experience and solid business acumen are required. Extensive analytics and decision support experience is strongly preferred along with a comprehensive understanding of portfolio optimization and financial P&L levers.
- Proactive, self-directed, and able to work independently as well as collaboratively in a team
- The incumbent must have a good knowledge of the bank’s lending products, including Credit Cards, Line of Credits, Mortgages, and Auto Loans and should have familiarity with the Bank’s Risk Management activities.
- Proficiency utilizing a variety of analytical tools including Python, R, SAS, SQL and Excel and a solid knowledge and understanding of advanced analytical concepts and methodologies.
- A proven ability to extract and interpret data; transform it into meaningful and actionable business insights effectively and accurately.
- Exceptional oral and written communication skills, with a demonstrated ability to present and translate highly technical concepts to a wide audience.
- A strong sense of urgency and a proven ability to understand, and effectively assess multiple, ongoing requests.
- Strong prioritizing, planning, analytical, presentation, project management, people management and relationship building skills
- Proven track record of success in maintaining, leading and motivating a productive team of analytics professionals.
- Displays a high level of analytical maturity and sophistication, financial acumen and a solid understanding of profit drivers, KPIs and other factors that will contribute to successful growth initiatives.
- Bachelor's Degree in Math, Engineering, Computer Science, Marketing, Economics or Statistics
- 2+ years analytical experience required
- 2+ years’ experience in Database Marketing and/or Risk Analytics
- Must be proficient with MS Office, SAS/Python, SQL, Power BI, Tableau
- Strong prioritizing, planning,
