Requisition ID: 231307

Tangerine is Canada’s leading direct bank. We offer flexible and accessible banking options, innovative products, and award-winning Client service. The reason why Tangerine employees come to work each day is to help Canadians live better lives. We focus on making a difference in our communities, and that includes our own internal community. It’s important to us that our employees feel empowered and enthusiastic about belonging to our Orange culture.

As Canada’s leading digital bank, Tangerine technology is at the heart of everything we do. We have redefined what digital banking is, and we continue to evolve to tackle any opportunity and face every challenge through progressive technology and the power of collaboration.

Do you like new challenges? Are you ready to reach new heights in your career and become part of an established disruptor? If so, come join us and help redefine the Canadian banking landscape!

What you will be doing:

Reporting to the Director of Cards but working very closely with the VP of Lending Solutions, the Senior Manager, Credit Cards & Unsecured Lending Forecasting & Portfolio Management will be accountable for Credit Cards & Unsecured Lending pricing optimization, forecasting, reporting & deep dive analytics. The Senior Manager will be responsible for delivering key P&L measurements of Tangerine’s credit cards & unsecured lending portfolios and help in the ideation & development of the key business initiatives. The successful incumbent will support the development and implementation of credit cards & unsecured lending strategies on portfolio growth and engagement, pricing, and client segmentation. The role also supports the evolution of credit cards & unsecured lending product and journey innovation, in addressing changing client needs and existing pain points, to bring-to-life client-centric value propositions.

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

• Drives the focus on Portfolio Optimization & Pricing Analytics for the Tangerine Credit Cards &  Unsecured Lending portfolio in close collaboration with cross-functional teams to develop business decision modelling and strategic roadmaps for customer acquisition, growth, engagement and retention. 
• Leads and develops business cases with market sizing, scenario analyses, as well as strong partner-relationships in support of gaining organizational buy-in and the necessary resources to design and assess product development or innovations.
• Working closely with the VP, Lending to conduct portfolio deep-dives, product economics, and profitability valuation for Credit Cards & Unsecured Lending, leveraging a variety of statistical techniques to drive strategic problem-solving and long-term recommendations for business growth, highlighting risks, opportunities to support action plans.
• Design and upgrade approach to unsecured lending forecasting, across credit cards, unsecured lines & loans, taking into consideration macro-economic variables and competitive dynamics.
• Create forums and processes to review forecast outputs and ensure cross-collaboration to improve visibility and enrich Team understanding of levers.
• Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. 
• Builds a high-performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and managing succession and development planning for the team.

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:

• BA requirement, MBA an asset
• CFA an asset
• 5-8 years in a product role with strong understanding of P&L drivers and financial reporting
• Experience with advanced analytics tools (R, SAS, SQL etc.) along with MS Excel and access–including excel regression functions, VBA; experience with GCP/ Big query is a plus
• Strong quantitative and qualitative analytical skills; excellent communicative ability to frame results of analyses
• Ability to thrive in an ultra-fast paced environment; adaptable and flexible when responding to deadlines
• Ability to synthesis complex information clearly and simply to a broad audience- excellent communication skills (verbal & written)
• Strong business acumen and strategic thinking capacity Experience winning business case approval and following through to successful implementation
• Thorough understanding of unsecured products, key success factors and the regulatory environment surrounding them

What's in it for you?

• Help lead the design of Canada’s most innovative digital wealth experience.
• Work in a mission-driven culture that prioritizes empowerment, diversity, and continuous learning.
• Join a modern banking environment where design plays a central role in shaping client value.
• Be part of a high-visibility team that is reimagining the future of personal finance in Canada
• You will get our help to save for your future and to invest in your total wellbeing through our Tangerine benefits*.
• You belong here, we are equal and un-complicated. Bring your true self to work, dress codes don’t apply here.
• You will enjoy workspace flexibility and all the excitement that comes from working at the official Bank of the Toronto Raptors.

*Tangerine employees participate in Scotiabank’s pension & benefits programs (available to permanent employees)

Location(s):  Canada : Ontario : Toronto

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.