Manager, Lending Analytics

Requisition ID: 217485

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

As the Manager, Lending Analytics, you will be responsible for conducting analyses and making fact-based recommendations across the Retail Payment & Unsecured Lending portfolios. You will deliver strategic and tactical knowledge to facilitate the execution of business strategies to enable profitable growth of Unsecured Lending customer base, increase customer engagement and optimize revenue margins for the business. This role works with multiple stakeholders and partners within and outside Scotiabank to develop optimal strategies based on excellent analytical, database marketing, communication, and relationship management skills.

Is this role right for you? In this role, you will: 
 

• Proactively provide strategic analyses that will assist the business to optimize new & existing accounts and product mix from various channels

• Work closely with the Marketing team to develop analytical and segmentation strategies that enhance unsecured credit customer engagement initiatives while optimizing budgets and revenue margins

• Collaborate with Retail Marketing and Customer Decisioning teams to implement and fulfill campaigns while ensuring seamless customer experience

• Engage in high-impact technology projects to provide subject matter expertise with respect to data architecture, systems integration, and application design, and the integration of new advanced analytical tools into the analytical infrastructure

• Evaluate new campaign ideas based on business opportunities and revenue growth, providing initial sizing and develop business case and recommendations by examining overall P&L impact to the Bank

• Collaborate with Campaign Design, Products and Retail Marketing teams to support optimal acquisition and customer migration initiatives driven through centralized campaign execution engine

• Work closely with segmentation/modeling experts to create new and effective ways of targeting customers to maximize efficiency of acquisition campaign strategies

• Effectively manage and prioritize multiple business initiatives, projects, and ad-hoc analyses with business stakeholders and external partners

• Lead the creation of ongoing measurement of acquisition/engagement campaign strategies relative to the pro-forma/plan, providing actionable insights and recommendations to business stakeholders on an ongoing basis to maximize business results and enable the creation of an ongoing learning loop

• Continuously acquire and enhance knowledge of business/product strategies, competitive practices, market insights and other policies, technical processes, and advanced analytical tools/methodologies to best provide business solutions to all key constituents

• Identify portfolio trends and key statistics using advanced analytics

• Provide effective and timely communication of strategic and operational results to the business teams

• Provide analytical support and profit insights on a regular and ad-hoc basis within Retail Canadian Banking focusing towards driving business growth and profits

• Provide business support to all areas of Retail Payment & Unsecured Lending team including Business development, Product, Acquisition and Analytics

• Partner with Finance for business case development and to report results to Senior Management as well as provide outlook/projection

• Leverage internal/external analytics tools as well current macroeconomic and industry trend to evaluate its impact on customer and profitability of the Bank, keeping senior management abreast with these insights and recommendation to mitigate those risks

• Work closely with Global Risk Management team to understand intrinsic and external risk factors to the unsecured lending portfolios, developing risk management strategies to optimize risk and revenue

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have: 

• Post-secondary education focused in Computer Science, Finance, Economics, Business, Engineering or Statistics; MBA or Masters in Analytics preferred

• Multiple years of related work experience in Analytics, Marketing or Finance, including statistical analysis and an advanced understanding of analytical concepts and methodologies

• Strong proficiency using Python and a variety of analytical tools including Google Cloud Platform, Big Data, R, SAS, SQL, and Excel

• Good knowledge of Scotiabank’s lending products, including Credit Cards and Lines of Credit

• Familiarity of risk management activities

• A proven ability to extract and interpret data, and 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

• Strong prioritizing, planning, analytical, presentation, project management, people management and relationship building skills

• Previous experience in consulting is an asset

• Comfortability working in a hybrid work 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.  

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.