Please be advised that our Careers site will be unavailable from November 28 at 12am ET to November 29 12am ET for scheduled system maintenance. Title: Manager, LMTs & Back End Requisition ID: Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. The Manager, Loss Mitigation Strategies, Reporting & Analytics supports Retail Risk Collections Strategy within Global Risk Management in Canada. The role develops and implements data-driven loss mitigation strategies, reporting, and portfolio analytics to strengthen risk oversight, improve collections performance, and support appropriate customer outcomes. Working with cross-functional partners, the Manager delivers assigned initiatives in alignment with business priorities, regulatory requirements, internal policies, and established risk appetite. Is this role right for you? In this role, you will: Drive LMT strategy and portfolio performance Develop and refine LMT strategies across Retail and Small Business portfolios to improve customer outcomes, reduce losses, and support sustainable collections performance. Design, monitor, and optimize treatment logic using predictive insights, segmentation, portfolio trends, and approved governance thresholds, including Risk Appetite limits, Early Warning Thresholds, policy exceptions, and disaster relief programs. Evaluate LMT effectiveness, customer treatment outcomes, roll-rate performance, delinquency migration,



loss mitigation perks, and post-treatment results using historical cohorts and forward-looking indicators. Identify emerging risks, portfolio trends, and threshold breaches, and prepare clear root-cause assessments and recommendations for management and governance forums. Modernize analytics, reporting and decision support Develop automated, self-service Power BI reporting solutions that improve transparency, enable drill-down analysis, reduce manual effort, and support timely decision-making across Collections Strategy, Operations, Risk, and senior leadership. Leverage SAS, SQL, Python, Power BI, and related analytical tools to automate recurring processes, strengthen data controls, enhance segmentation, and translate complex data into actionable recommendations. Conduct targeted analyses to explain performance drivers, identify improvement opportunities, and support management decisions. Strengthen governance, controls and delivery Partner with Collections Operations, Risk, Product, Technology, Fraud, and Governance teams to implement LMT strategies, assess credit risk implications, and align delivery with business and control requirements. Support platform, data, and process changes, including TSYS migration, Project ALMA, CAMS, and post-migration reporting enhancements, through validation, testing, documentation, and issue resolution. Apply the

📌 Manager, Lmts & Back End (Toronto)
🏢 Scotiabank
📍 Toronto