Is this role right for you? In this role, you will: Partner with Retail Risk stakeholders across Unsecured Lending, Collections, Small Business, and other Risk functions to design, implement, and optimize customer/account management strategies and risk decisioning solutions.

Act as a problem solver and investigator by leveraging data to uncover trends, identify opportunities, diagnose root causes, and tell compelling business stories that drive decision-making.

Work directly with large datasets on a daily basis, performing analysis, validation, monitoring, and strategy impact assessments using SQL, Python, R, SAS, and other analytical tools.

Gather and translate business requirements into technical solutions while performing configuration, development, testing, implementation, and ongoing support activities within FICO TRIAD and related risk platforms.

Design, implement, and maintain credit risk and customer management strategies across the customer lifecycle, including account management, Collections, and credit facility strategies such as Credit Line Increases (CLI) and Credit Line Decreases (CLD).

Collaborate with Retail Risk, Strategy, Modelling, and Technology teams to deploy and operationalize decisioning strategies and predictive models within production environments.

Support implementation of statistical and machine learning models, including regression and other predictive models, within TRIAD and related decisioning platforms.

Perform impact analysis, strategy simulations, champion/challenger testing, and post-implementation validation to ensure business objectives are achieved.

Serve as the liaison between Retail Risk business partners and technology teams,



translating complex business problems into practical and scalable technical solutions.

Identify opportunities for process improvement, automation, and operational efficiencies through innovative use of data and technology.

Manage and support multiple complex initiatives simultaneously while maintaining a strong focus on quality, accuracy, and business value.

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have: Bachelor's degree in Computer Science, Engineering, Statistics, Mathematics, Data Science, Finance, or a related quantitative discipline.

Advanced degree considered an asset. 8+ years of experience in Retail Risk, Risk Technology, Decision Management, Customer Management, Collections, or Credit Strategy environments.

Experience working with FICO TRIAD, Experian Probe, Oscilar, IBM Risk Decisioning Platform, or similar customer management and risk decisioning platforms.

Strong analytical mindset with a demonstrated ability to independently investigate complex business problems, synthesize findings, and communicate insights through data-driven storytelling.

Advanced SQL skills and hands-on experience querying, analyzing, and validating large datasets.

Strong proficiency in one or more programming languages used for analytics and data processing, including Python, R, or SAS.





Experience developing, implementing, testing, or supporting customer lifecycle strategies, including: Account Management Collections and Recovery Credit Line Increase (CLI) strategies Credit Line Decrease (CLD) strategies Customer scoring Customer segmentation Knowledge of Retail Risk concepts including credit risk management, scorecards, behavioral scoring, bureau data, collections treatment strategies, and portfolio management.

Experience supporting model deployment and implementation of machine learning, regression, scorecard, or other predictive models within decisioning platforms.

Ability to translate business requirements into technical designs and implement solutions that generate measurable business outcomes.

Solid problem-solving skills with the ability to analyze complex situations, conduct independent research, and develop innovative solutions using multiple data sources.

Experience working with Agile delivery methodologies and cross-functional teams is considered an asset.

Excellent communication and stakeholder management skills with the ability to engage technical and non-technical audiences.

Proven ability to manage multiple priorities while delivering high-quality solutions in a fast-paced environment.

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.

📌 Manager, TRIAD and Risk Operations (Toronto)
🏢 Scotiabank
📍 Toronto