Requisition ID: 264575 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.  We are committed to investing in our employees and helping you continue your career at Scotiabank. The world is changing faster than ever and so are we! “Big data”, “machine learning” and “AI” are not just buzzwords; they are an ever-increasing part of our daily life. We have decades of data powering hundreds of models deployed across a multitude of systems that are crying out for smart talented team players who are results oriented, embrace transformational challenges and relish the opportunity to help us turn our vision into reality. Our goal is to be nothing less than The Leading Bank in The Americas by putting Customers First. Achieving this requires a Winning Team that can build, manage, and govern stable high performing models and provide our business partners with the best analytic insights and advice possible. To put things in perspective, the models that we build underpin automated risk management decisions and forecasts that impact millions of customers and keep hundreds of $millions safe every single day. Is this role right for you? In this role, you will:

You believe, first and foremost, in always doing the right thing and doing things the right way. You are both deeply curious and highly pragmatic. You are comfortable with ambitious but realistic goals and are committed to achieving them. You are social, engaging, not afraid to ask questions and relish the opportunity to learn from partners across the firm (who may be less technical than you) You relish the opportunity and yet also understand the responsibility and weight that comes with the fact that the output of your models will directly influence the bank’s financial statements or decisions that impacts a real human being. You have a genuine love, passion and talent for programming, data, and predictive modeling. You are committed to quality in everything you do – statistically, process and governance wise. You look forward to sharing your insights through high-quality verbal & written communications. You are professional, motivated, AND FUN. We mean it. Complete specialized analysis, develop statistical solutions and recommend improvements to estimation techniques and/or forecasting and decisioning models. Collaborate with risk management, vendors, technology, foreign counterparts, and compliance +audit to ensure effective governance, measurement & communication of model performance. Conduct research of new innovative modeling methodologies, tools, and regulatory requirements. Lead the periodic monitoring, recalibration and maintenance of models and analytic tools. Identify, promote, and lead process improvements for model development and monitoring. Ensure that the data used for model development is reliable and robust and that it adheres to industry and regulatory standards Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have: Experience in credit risk analytics, with direct hands-on/ knowledge experience in Credit Card portfolios Knowledge of Credit Card Portfolios with a strong focus on origination, limit management, and Lifecyle risk optimization will be an asset. Graduate 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

Highly proficient in 1 or more analytical programming languages (Python, R, SAS, etc.), SQL (, Oracle, DB2, SQL Server) and multiple environments (Unix & Windows) 1 or more years of experience with big data platforms / integration (Hadoop, Spark, Hive) Experience training and deploying machine learning models using common Python opensource 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.