The Manager, Retail Lending Analytics is responsible for conducting data analytics and measurement to enable Product, Risk-Reward, and Portfolio Management business decisions with an impact on business success and/or customer satisfaction for Scotiabank's Unsecured Lending portfolio growth and profitability. Manage end-to-end analytics to support business strategies and portfolio performance for unsecured lending products, including ULOC, Personal Loans, and Overdraft Protection. Support Scotia BNPL (Buy Now Pay Later) initiative and recommend data-driven performance and customer experience. Grow the customer base by creating more primary customers for the bank through data-driven analytics and strategic partnerships with Business Lines, Risk Management and Channels. Collaborate with Campaign, Marketing and Pricing teams to design customized offers for key campaigns to improve campaign click-through, response rate, and overall profitability Effectively manage and prioritize multiple business initiatives, projects, and ad-hoc analyses with business stakeholders and/or external partners/consultants. At least 3 years of experience in data analytics for business portfolios, customer profiling, and product PnL in the Finance/Banking industry. At least 3 years of experience in big data analytics, including statistical analysis (e.g. AB test, time series), AI/ML models (e.g. Ability to drive business strategy from inception to implementation, working with cross-functional teams. Proficient in coding with Python, SQL, SAS, and Spark. Working knowledge of Google Cloud (GCP, Airflow, Composer) would be an asset. Excellent verbal and written communication skills and executive presentation. Bachelor's Degree in Computer Science, Mathematics/Stats, Finance, Business Administration Internal training to support your growth and enhance your skills. 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. 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.