Requisition ID: Join a purpose driven winning team, committed to results, in an inclusive and high:performing culture. The Senior Manager Country Oversight will assist in the analysis and monitoring of International Retail credit risk within established parameters, as well ad:hoc and deep dive analysis and developing strategic recommendations on the initiatives, policies and processes to maximize the overall profitability of Scotiabank International. An understanding of retail risk is an asset, in addiction to data analytics and synthesizing insights into recommendations. This role requires SAS/Python/SQL and data analytics tools skills. Is this role right for you? In this role, you will: Credit Risk Analytics stylemargin:top:0.0in;margin:bottom:0.0in: : Use data, advanced analytics and machine learning to solve problems and respond to questions, particularly in international markets : Be involved in analytics deep dives, building new capabilities while using excellent communication, collaboration and problem:solving abilities. stylemargin:top:0.0in;margin:bottom:0.0in: : Provide strong support to the country managers and challenge where necessary. : Oversee deep analytical investigations to properly diagnose, document and report drivers of unexpected changes to risk within credit originations/account management of the portfolio. Communicate findings with stakeholders including future impacts to losses and proposed recommendations to Management. stylemargin:top:0.0in;margin:bottom:0.0in: : Cultivate and manage relationships with local risk teams and key internal stakeholders involved in credit origination/account management strategies, by interacting/liaising with other team members and teams within the Bank (Audit, Risk Technology, Collections and Fraud, Portfolio Analytics, Provisions and Banking) : Liaise with the local risk team, local Banking and IB Banking team to determine strategic priorities and assess risks associated with new or enhanced retail products. Country Oversight stylemargin:top:0.0in;margin:bottom:0.0in: : Keep abreast, of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology. : Identify, evaluate, review and oversee key performance indicators in support of credit origination/account management initiatives for the consumer portfolio seeking alignment with the Banks risk appetite. : Apply observations/trend analysis and communicate to Management to identify risks and opportunities to the current business forecast, as applicable. stylemargin:top:0.0in;margin:bottom:0.0in: : Maximize risk/return trade:off in new initiative by improving operational and credit processes, and effectively managing delinquency, and losses to profitably grow the business. Relationships and Communications stylemargin:top:0.0in;margin:bottom:0.0in: : The Sr. Manager Country Oversight will establish a presence as Country subject matter expert to senior stakeholders and business leads, by managing internal relationship with local risk team, as central point of contact for local risk teams with GRM, while providing strong support and challenge where necessary. : Cultivate and manage relationships with local risk teams and key internal stakeholders involved in credit origination/account management strategies, by interacting/liaising with other team members and teams within the Bank (Audit, Risk Technology, Collections and Fraud, Portfolio Analytics, Provisions and Banking) : Liaise with the local risk team, local Banking and IB Banking team to determine strategic priorities and assess risks associated with new or enhanced retail products. : Proactively drive and encourage communication of risk issues across businesses and geographies as well as with GRM colleagues and business partners. : The jobholder must ensure a