Manager, Pre-Approved Originations, Unsecured Lending

Requisition ID: 236831

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

Shape the Future of Credit Risk & Analytics with Impact, Innovation, and Purpose

Are you passionate about leveraging advanced analytics, cutting-edge technology, and creative strategy to drive responsible growth and innovation in the financial sector? Do you thrive in a collaborative, data-driven environment where your insights directly shape the organization’s success? Join us as Manager, Pre-Approved Originations, Unsecured Lending, and play a pivotal role optimizing risk strategies for Canada’s retail unsecured lending portfolio—including credit cards, lines of credit, and overdrafts.

The Manager, Pre-Approved Originations, Unsecured Lending is a dynamic leadership position designed for a curious, motivated, and highly analytical professional eager to make an impact in credit risk management. You will be at the heart of our strategic decision-making, transforming vast amounts of consumer and portfolio data into actionable strategies that balance risk and reward, while supporting sustainable business growth. Your work will empower responsible lending decisions, influence senior leadership, and shape the direction of our organization in an ever-evolving market
Is this role right for you? In this role, you will:

• Innovate Credit Risk Strategies: Develop and continuously enhance sophisticated credit risk approaches using predictive models, machine learning, and champion/challenger testing. Identify and implement new automation opportunities and leverage both traditional and non-traditional data sources to validate assumptions and drive strategy optimization.

• Lead Advanced Analytics: Dive deep into portfolio performance and customer behaviour trends. Translate complex insights into intuitive dashboards and reports using SAS, SQL, Power BI, and other visualization tools. Surface growth opportunities, uncover emerging risks, and proactively adjust strategies to maximize risk-adjusted returns.

• Drive Automation & Process Improvement: Streamline decisioning criteria for approvals, declines, limit assignments, and more. Champion efficiency through lean adjudication design and technical innovation, supporting seamless implementation of strategy changes across multiple technology platforms.

• Collaborate & Influence: Work closely with Product, Operations, Regulatory, Fraud, and Audit teams. Effectively communicate risk measures, represent the risk perspective across business lines, and foster a culture of active listening and clear, persuasive communication with stakeholders at all levels.

• Support Strategic Initiatives: Ensure all lending strategies align with the Bank’s Risk Appetite Framework and support core business priorities—from new product launches to process improvements and acquisitions. Identify opportunities for policy and procedure enhancements to improve productivity and performance.

• Ensure Compliance & Integrity: Maintain adherence to Canadian regulatory standards and internal audit requirements, providing timely and effective support for investigations and solutioning as needed. Collaborate with Fraud and Security teams to ensure robust risk controls.

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

Required Qualifications

• Bachelor’s degree or higher, or equivalent work experience.

• Minimum 2-5 years’ experience in risk/portfolio management, preferably within a retail lending or credit risk management environment.

• Proficiency in analytical programming and database tools (SAS, SQL, Python, or equivalent). Experience applying advanced statistical methodologies and machine learning techniques is considered a strong asset.

• Demonstrated ability to translate complex data into clear dashboards and actionable business insights, using visualization tools like Tableau, Power BI, or Excel (Pivot Tables).

• Excellent communication, relationship management, and analytical problem-solving skills. Able to engage and influence stakeholders at all levels.

• Strong understanding of credit principles and experience designing strategies that impact organizational P&L.

• Ability to work collaboratively within a team, manage multiple priorities, and thrive in a fast-paced environment.

Preferred Qualifications

• Bachelor’s or higher degree in business, statistics, economics, mathematics, computer science, data science, or analytics.

• Prior experience with Canadian regulatory standards and risk appetite frameworks.

• Exposure to fraud management, regulatory liaison, and internal audit support is a plus.

• Passion for innovation, continuous improvement, and professional development.

What’s in it for you?

• An inclusive & collaborative working environment that encourages creativity, curiosity, and celebrates success!
• We offer a competitive rewards package: Performance bonus, Employee Share Ownership Program, and Pension Plan Matching, Health Benefits from day one!
• Your career matters! You will have access to career development and progression opportunities.

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. 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.