Requisition ID: 274675

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

Purpose

Drive portfolio profitability and revenue integrity by identifying and executing opportunities to optimize pricing, spread, funds transfer pricing (FTP), fee generation and relationship economics, while detecting revenue leakage and supporting proactive revenue optimization strategies.

Reporting to the Senior Manager, Revenue Optimization, the Manager supports Profitability Optimization and Loan Portfolio Management within Canadian Commercial Banking through analysis of loan and relationship economics, revenue recognition methodologies, systems, front-line practices and NII/NIR generation.

The role combines analytics, commercial judgment and strategic problem solving to identify material revenue opportunities, understand the behaviours and process gaps driving outcomes, and translate findings into practical recommendations, executive-ready communications and front-line actions. The Manager works through influence across business, pricing, treasury, product, credit, analytics and technology partners to improve pricing discipline, adoption and measurable business results.

Key Accountabilities:

Portfolio Monitoring & Revenue Optimization

• Monitor and analyze portfolio KPIs, including NII, NIR, fees, FTP, spread, pricing realization, relationship profitability and risk-adjusted returns
• Identify, quantify and investigate revenue leakage drivers, including pricing gaps, booking inconsistencies, behavioural patterns and data or system issues
• Apply strategic and commercial judgment to prioritize opportunities based on financial impact, client value, risk appetite and operational practicality
• Support the development and enhancement of customer segment, product and relationship-level pricing strategies to optimize risk-adjusted returns and client profitability
• Use peer benchmarking and portfolio analysis to identify potentially mispriced deals, renewals and outliers, and develop practical pricing considerations for business partners

Analytics, Insights & Executive Communication

• Develop and maintain automated dashboards and KPI reporting to monitor portfolio performance and pricing effectiveness
• Integrate and analyze data from multiple systems, including pricing platforms, loan systems, nCino and the data lake
• Leverage tools such as Python, SQL and Power BI to improve data processing, analysis and reporting efficiency
• Perform trend, scenario, portfolio, segment and deal-level analysis to diagnose performance drivers and support pricing and portfolio management decisions
• Synthesize complex analysis into clear executive narratives, strategic implications and prioritized recommendations for senior management and non-technical audiences
• Prepare concise, decision-oriented presentations, business cases and briefing materials that communicate the issue, financial impact, recommended action and implementation considerations

Behaviour Change & Business Adoption

• Develop an understanding of Relationship Manager behaviours, pricing decision points and deal execution practices to identify where coaching, guidance, playbooks or process changes can improve outcomes.
• Translate analytical findings into practical tools and discussion materials that support more consistent and confident pricing decisions by front-line teams
• Partner with business leaders and front-line teams to investigate pricing exceptions, understand root causes, recover value where appropriate and reduce recurring issues
• Support adoption through training, coaching, presentations, office hours and practical playbooks, and monitor whether interventions are changing behaviours and improving financial outcomes
• Design test-and-learn approaches to assess pricing tactics, coaching interventions and product or process enhancements, with a focus on measurable revenue, adoption and client impact

Stakeholder Collaboration

• Collaborate with Relationship Managers, District and Regional leadership, Analytics, Treasury, Product, Credit Solutions, Technology, Client Measurement and Salesforce/nCino teams to advance pricing and revenue initiatives
• Provide analytical and strategic support for priority initiatives, business cases and ad-hoc requests
• Influence stakeholders through evidence-based recommendations, constructive challenge, facilitation and clear communication of commercial trade-offs
• Build trusted relationships across technical and business teams and support alignment on priorities, decisions, actions and accountabilities

Dimensions

• The Business Bank is a large contributor to Canadian Banking, generating NIAT of $600MM+ and comprising numerous sub-business lines supported by more than 1,000 FTE across Canada
• The Manager receives direction from the Senior Manager, Revenue Optimization and works independently to identify, develop and implement strategies and achieve results
• A high degree of judgment is required to assess ambiguous business issues, balance competing commercial considerations, prioritize initiatives and create clear direction for cross-functional work

Education / Experience / Other Information

Educational Requirements

• Bachelor's degree in Statistics, Computer Science, Business, Finance, Economics, Commerce or a related field, or equivalent practical experience
• MBA, relevant master's degree or professional designation would be considered an asset

Experience

• Minimum of 2+ years of experience in commercial banking, pricing, profitability management, strategy, finance, analytics, product management or a related business partner role preferred
• Experience in business banking operations would be an asset
• Familiarity with internal systems such as STO, SDR, OLL and Intralink is an asset
• Excellent analytical skills, including the ability to source, manipulate and interpret data, diagnose business issues and make informed recommendations. Experience building statistical models is an asset
• Proficiency in SQL, Python and business intelligence tools such as Power BI is preferred
• Experience translating analytical findings into strategic recommendations, executive communications or business-facing decision support
• Experience influencing front-line teams, business partners or senior stakeholders through insight, coaching, presentations and practical recommendations is preferred

Skills

• Strategic thinking and commercial judgment, with the ability to connect analysis to business priorities and balance client competitiveness, profitability, risk appetite and operational practicality
• Excellent written, verbal and presentation skills, with the ability to communicate complex pricing, profitability and analytical concepts clearly to executive, business and technical audiences
• Strong relationship-building, influencing, facilitation, prioritization, project management and planning skills
• Comfort working with analytics and BI tools, with sufficient technical fluency to ask the right questions and partner effectively with analytics and technology teams
• Ability to create practical tools, playbooks, training materials and presentations that support adoption and sustained behaviour change.
• High degree of initiative, adaptability, curiosity and sound judgment, with the ability to manage competing priorities and drive outcomes through ambiguity
• Attention to detail and a strong drive to deliver high-quality work on time.

Working Conditions

• Work in a standard office-based environment

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. 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.