Senior Manager, Credit Cards and Unsecured Lending Forecasting & Portfolio Management - Tangerine **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 Portfolio Analytics with accountability to the Director of Credit Cards, the Senior Manager, Credit Cards & Unsecured Lending Forecasting & Portfolio Management is accountable for optimizing performance of the Credit Card & Unsecured Lending portfolios through forecasting, analytics, pricing strategy, and product innovation. This role drives strategic initiatives to grow and retain the portfolio, enhance profitability, and evolve product offerings based on client needs, market dynamics, and competitive insights. **Is this role right for you? In this role, you will:** + Portfolio Strategy & Optimization: Lead unsecured lending portfolio strategy, focusing on growth, retention, pricing, and client segmentation. Develop and execute tactics to maximize franchise value and profitability. + Product Performance & Forecasting: Own forecasting models across credit cards and unsecured lending products, incorporating macroeconomic and competitive variables. Monitor key performance indicators and recalibrate strategies to optimize outcomes. + P&L Ownership & Financial Insights: Manage the full P&L, including reporting & FTP. Partner with Finance, Treasury, Risk, Legal and other oversight functions to maintain visibility into portfolio trends and identify opportunities for operational and financial improvement. + Analytics & Business Case Development: Conduct deep-dive analysis and scenario modeling to support strategic decisions. Build business cases with market sizing, economics, profitability and ROI projections leveraging statistical techniques to support product enhancements & innovation. + Cross-Functional Collaboration: Act as a key liaison between Unsecured Lending Product Team, Finance, Client Insights, Data Science & Technology teams. Translate insights into actionable strategies and ensure alignment across delivery & execution teams. + Reporting & Executive Communication: Develop, maintain & enhance dashboards and presentations for senior leadership, providing clear insights into performance, trends, and strategic initiatives. + Leadership & Team Development: Contribute to a high-performance environment; leveraging people strategies that attract, retain, develops & motivates talent. Foster an inclusive, coaching-oriented culture focused on growth, accountability, and succession planning. + Risk & Compliance: Ensure adherence to operational, compliance, AML/ATF sanctions & conduct risk standards in line with Scotiabank’s Code of Conduct and Global Sales Principals. **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.