Title: Manager, Unsecured Development & Control The mandate of this role is to support with acquisition credit risk strategies and policy for the Unsecured portfolio to optimize risk/return within Global Risk Management to meet Canadian Banking strategic priorities. Monitor key performance indicators and leverage insights to develop, implement, and provide technical tests of lending strategies Maintain current and in-depth knowledge of Unsecured retail lending policies, strategies, and market trends Drive digital risk automation through integration of modern digital risk technology and client centric policy design Continuously leverage new toolsets and techniques in day-to-day responsibilities The Manager of Development & Controls for Unsecured Strategy Enablement, Canadian Retail Credit Risk in GRM will work in close collaboration with centre of excellence teams, unsecured business partners, risk technology, front-line technology teams, compliance teams, and external vendors to ensure credit strategies are implemented accurately and consistent with the Risk Appetite Framework. The candidate will also be expected to drive continuous improvement in technology design, deployment/testing techniques, and best practices in compliance with governing regulations, internal policies and procedures. Change management & Technology Drive digital risk automation through integration of modern digital risk technology and client centric policy design Obtain subject matter experts in risk technology design, deployments, testing, validation processes across the retail footprint, especially using FICO DMP suites of software Ensure strict adherence to deployment, testing, documentation, and release management processes,



and provide effective challenge to key stakeholders where required Perform post-implementation validation & track performance of digital risk implementation Continuously leverage new toolsets and techniques in day-to-day responsibilities Act as a change champion to transform the retail risk implementation model in alignment with ongoing technology migrations. Work closely with business and portfolio policy team to support the technical design of credit risk strategies, calculations, policy for the unsecured portfolio Ensure successful implementation of strategy changes within the adjudication engine and perform pre/post implementation test and validation activities Ensure the design of development process adheres to regulatory and governance requirements. Portfolio Analytics and Simulation Testing SAS, Excel, Python, MongoDB, Power BI etc.) to provide energetic analysis on key performance metrics to various stakeholders in GRM and business lines in support of production releases Leverage existing portfolio monitoring and reports to drive insights, identify opportunities, and address any at-risk segments Conduct pre/post-implementation validation of strategies via decision simulation to ensure accurate implementation and alignment with expected results. Stay informed of competitive landscape, partnering with the business line to ensure that as risk managers our processes, strategies and policies consider the changing landscape.



Develop and maintain relationships with external business partners (e.g., third party vendors, credit bureaus) where required, to support in strategy build, or technology support. Support Business Line Initiatives/projects Ensure all business line strategic projects (i.e., new product launches, changes to existing product offerings, new channels, new acquisition framework, changes to approval strategies) are consistent with Risk Appetite Framework. Represent Risk's point of view and liaise with the stakeholders (operations, product owners, collections, technology, governance) throughout the organization to listen actively, communicate, and explain risk measures clearly and as appropriate identify, evaluate, and address credit risk that arises from the development, deployment, interpretation, and maintenance of Credit Risk Policy in support of new products/program development, portfolio performance issues, product enhancements, changes to the industry and regulatory landscape, and business operations Support GRM effective challenge function, ensure Credit Risk Proposals are prepared with robust financial and quantitative analysis, and that risks are effectively assessed and measured. Obtain an understanding of the Unsecured Credit strategies and policy, recommend enhancements, and document new processes and workflows to support succession planning. Actively pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, our ScotiaBond, our Code of Conduct and vendor management policies while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk Champions a high-perform

📌 Manager, Unsecured Development (Canada)
🏢 Scotiabank
📍 Canada