Requisition ID: 227594Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. The Manager, Portfolio Analytics (GRM ? RESL) is responsible for monitoring the performance of the Real Estate Secured Lending (RESL) portfolio and enhancing business intelligence tools to deliver actionable insights to Risk teams, as well as to business line partners. This role provides advanced analytics to assess portfolio health and ensure alignment with the organization's Risk Appetite. Leveraging credit risk expertise and analytical acumen, the incumbent will flag emerging risks across client segments and recommend mitigation strategies. This position plays a key role within the Retail Risk Department by using data, systems, research and analysis to identify portfolio trends and opportunities. The successful candidate will collaborate with stakeholders across GRM and other business units, delivering insights through strong analytical thinking, effective communication, and relationship management.Is this role right for you? In this role you will: Accountability 1 ? Credit Risk Portfolio Analysis and MonitoringLeverage a range of Business Intelligence tools (e.g., SQL, SAS, Python, Power BI) to deliver dynamic reporting on key performance metrics for stakeholders across GRM and business lines. Lead the development of new reports and continuously seek opportunities to streamline and enhance reporting workflows.Conduct in-depth research and analysis to uncover portfolio, macroeconomic, and market trends across diverse retail lending portfolios. Translate complex data into actionable insights and compelling narratives that support informed credit risk decisions.Partner with Strategy and Policy teams to deliver measurement and reporting on key strategic initiatives, including acquisition quality, the impact of origination strategy changes on portfolio growth, and line optimization efforts.Maintain a forward-looking perspective to proactively identify emerging risks, enabling early intervention through targeted analysis and enhanced monitoring.Accountability 2: InnovationIdentify and pursue opportunities to apply advanced analytics, score modeling, and modern Business Intelligence tools to uncover portfolio dynamics, generate insights, and streamline processes.Drive the evolution from descriptive to prescriptive analytics by focusing on key drivers of portfolio risk and profitability, and by developing creative solutions to complex challengesContinuously expand knowledge of business and product strategies, market trends, competitive practices, and emerging analytical methodologies to deliver impactful, forward-thinking solutions to stakeholdersAccountability 3: Canadian Regulator and Internal Audit SupportProvide timely support for investigations and resolution of issues raised by OSFI, ensuring responses meet regulatory expectations and deadlines.Assist in addressing findings from Prefund Reviews and Internal Audits, ensuring appropriate and prompt resolution within agreed timelines.Accountability 4: Risk Appetite Framework alignmentEnsure all business line strategic priorities (i.e. life-cycle strategies, early warning triggers, provisioning, etc.) are consistent with Risk Appetite Framework. Recommend changes to business line strategies to ensure the Bank does not take on more credit risk than planned.Manage risks related to operations, regulatory compliance, anti-money laundering (AML), anti-terrorist financing (ATF), and employee conduct. Follow the key policies and guidelines, such as the Operational Risk Management Framework, Compliance Framework, AML/ATF Handbook, and the Business Conduct Guidelines.Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have: University degree in relevant STEM discipline or similar (i.e. Economics, Statistics, Business, Data Science, Technology, Engineering, Mathematics, and Risk Management)Strong analytical and MIS
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