Small Retail Jobs in Toronto, ON (NOW HIRING)

Requisition ID: 269885 
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

As a Manager, you will report directly to a Senior Manager or Director and be a critical member of a team overseeing a portfolio of forecasting models and analytic processes. You will support - from conception through execution and governance - the regulatory capital (AIRB) models covering all of the Bank's retail and small business product lines. You will collaborate, on a regular basis, with a wide range of stakeholders and internal partners including Provisioning, Model Operations, Finance, Collections, Model Validation and Governance, Technology & Data, Compliance and Audit.

You will have access to both traditional SAS tools and a modern machine learning stack that includes on-premise GPU computing, open source Jupyter development environments, a Hadoop cluster, containerized API model deployment and data visualization business intelligence tools.Under the guidance of your Director, your team of risk modeling experts will use these tools to develop advanced risk prediction and loss estimation forecasting models that will be used to make decisions worth $billions every month and therefore they need to be not only precise and accurate, but highly stable, explainable, compliant, secure and useful. You will be responsible for understanding the goals & priorities set for you, executing them efficiently with a perpetual eye on quality, asking questions often and delivering results in harmony with your teammates.

Is this role right for you? In this role, you will:

• Lead with integrity and are committed to doing the right thing, the right way.
• Combine intellectual curiosity with practical problem-solving to drive meaningful outcomes.
• Embrace ambitious goals and take ownership of delivering measurable results.
• Enjoy collaborating with diverse stakeholders and learning from colleagues across different functions, backgrounds, and technical skillsets.
• Appreciate the responsibility that comes with developing models that directly influence the Bank's financial and regulatory reporting.
• Can interpret complex regulatory requirements and identify opportunities to enhance efficiency while maintaining the highest standards of compliance.
• Possess a strong understanding of credit risk fundamentals, including PD, LGD, EAD, and RWA, and can apply these concepts across a variety of portfolios and products.
• Have a passion for programming, analytics, data, and predictive modeling, and enjoy solving complex business challenges through quantitative methods.
• Hold yourself to a high standard of quality, rigor, and governance in both your analytical work and decision-making.
• Communicate complex concepts clearly and effectively through both written and verbal presentations.
• Bring energy, professionalism, and a collaborative spirit to everything you do while enjoying the journey along the way.

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 Mathematics, Computer Science, Engineering or an equivalent technical field
• A demonstrated history of analytic problem solving and sound judgment 
• Experience as an analyst or data scientist with a track record of accomplishments working on cross-functional teams
• Strong English-language verbal and written communications skills: the ability to distill abstract business requirements into analysis, concisely convey technical outcomes, tell a story visually with data, prepare and edit high-quality documentation and be accepted as a trusted advisor by peers
• Able to work remotely and on-site on multiple activities simultaneously and meet deadlines.
• Strong fundamental understanding of statistics
• 2+ years of overall experience in analytic roles developing and using predictive, risk and/or forecasting models
• Highly proficient in 1 or more analytical programming languages (Python, R, SAS, etc.), SQL (Teradata, Oracle, DB2, SQL Server) and multiple environments (Unix & Windows)
• 1 or more years of experience with big data platforms / integration (Hadoop, Spark, Hive, Avro)
• Knowledge about credit risk models / scorecards

 Skills considered an asset are the following:

• Proficient reading, writing and speaking Spanish
• Experience with credit risk forecasting and/or financial reporting frameworks
• Experience developing credit risk models / scorecards
• Experience working within loss forecasting, AIRB or IFRS9 frameworks
• Domain expertise with any retail & small business banking products and/or risk management practices
• FRM, CFA credentials
• Experience training and deploying machine learning models using common Python open source frameworks (i.e., scikit-learn) and/or Python DevOps
• Microsoft Office (Excel, Word, PowerPoint, Teams, PowerBI) power user
• Experience working with FICO / TSYS / CGI decision systems (TRIAD, OM, ACE, CACS)

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. If you require technical assistance, please click here. 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.