**Job Title:** Senior Manager, Global Small Business Risk
**Requisition ID:** 213683

Join a purpose-driven winning team, committed to results in an inclusive and high-performing culture. Reporting to the Senior Director, Global Small Business Risk, the Senior Manager will collaborate closely with senior management, GRM colleagues, business line leads, and diverse stakeholders to generate insights and deliver strategic recommendations.

**Key Responsibilities:**
- Monitor Small Business portfolio indicators, proactively analyzing performance alongside macroeconomic and external trends.
- Collaborate with the Lending Policy and Governance and GRM colleagues to develop recommendations based on data-driven observations and analyses.
- Lead sensitivity analyses to test performance benchmarks against various external environments.
- Drive cross-functional teams to establish scenario frameworks and readiness playbooks by identifying and prioritizing levers.
- Support performance trending across portfolios and preparation of strategic communication materials for Senior Credit Committees as required.
- Conduct competitive and business environment research and benchmarking to identify emerging issues and trends, analyzing their impact and implications.
- Measure and monitor credit score and policy changes across the credit life cycle with a focus on the risk-return trade-off.
- Triangulate internal data analyses with macroeconomic and consumer trend reports to define customer vulnerability frameworks.
- Collaborate with GRM colleagues to enhance portfolio monitoring and account management capabilities through new models and frameworks.
- Support the annual strategic planning process by providing thought leadership on KPI and risk-related metrics based on business objectives and growth plans.
- Enable and deliver analyses and strategy development for Retail Credit Risk initiatives related to capital optimization and risk-adjusted return on capital.

**Qualifications:**
- University degree in business or economics.
- 10 years of relevant work experience.
- Exceptional problem-solving skills and the ability to manage ambiguity.
- Strategic orientation with strong innovative and integrative acumen.
- Strong analytical skills with the ability to design and interpret information/data required to monitor performance.
- Effective relationship management skills across the organization.
- Excellent executive communication and storyboarding abilities.
- Strong leadership and interpersonal skills that foster an effective team environment.
- Demonstrated commitment to coaching and developing staff.
- Highly organized with proven decision-making abilities in time-pressured environments.
- Bi-lingual English/Spanish is highly desirable.

**What We Offer:**
- An inclusive and collaborative working environment that encourages creativity and celebrates success.
- A competitive rewards package, including a performance bonus, Employee Share Ownership Program, Pension Plan Matching, and health benefits from day one.
- Access to career development and progression opportunities.

**Location:** Canada : Ontario : Toronto

Scotiabank is a leading bank in the Americas, committed to helping our customers succeed through a broad range of financial products and services. We value the unique skills and experiences of every individual and are dedicated to creating and maintaining an inclusive and accessible environment.

If you require accommodation during the recruitment 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; however, only candidates selected for an interview will be contacted.