Requisition ID: Join a purpose driven winning team, committed to results, in an inclusive and high:performing culture. (Sr Manager) Sr Data Scientist, Business Banking Credit Risk The Sr Data Scientist, Business Banking Credit Risk will work closely with senior management, GRM colleagues, business line leads, and a diverse set of stakeholders to generate insights and deliver strategic recommendations. The incumbent will drive analyses, support oversight, and strategic thought leadership across Business Banking portfolios, segments and industries, ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures. Is this role right for you? In this role, you will: : Design and implement data extraction and transformation workflows to prepare structured and unstructured data for advanced analytics. Ensure data quality, consistency, and readiness for modeling and insight generation. : Leverage modern data science tools and cloud:based platforms to streamline model development, experimentation, and deployment. Contribute to the evolution of scalable, reproducible analytics environments that support business decision:making. : Work closely with data engineers, business stakeholders, and product teams to translate complex data into actionable insights. Align analytical outputs with strategic objectives and regulatory requirements. : Apply cutting:edge statistical, machine learning, and AI techniques to solve business problems. Promote best practices in model validation, interpretability, and governance to ensure robust and ethical use of data. : The incumbent will support oversight and analytics across Business Banking (BB) portfolios, segments, and industries, ensuring that data infrastructure and engineering practices enable business strategies in compliance with internal policies and external regulations. : Monitor Business Banking portfolio indicators, proactively analyzing performance alongside macro:economic and external trends; collaborate with the Lending Policy and Governance and GRM colleagues to establish recommendations based on data:driven observations and analyses. : Develop innovative and effective approaches, applying statistical and predictive modeling techniques to solve analytics challenges. : Present and depict the rationale of findings in easy:to:understand terms for a non:technical audience. : Utilize external data sources to enhance insights and improve model accuracy, while effectively communicating results and methodologies to stakeholders and team members. : Prepare detailed documentation to outline data sources, models and algorithms used and developed : Complete competitive / business environment research and benchmarking to determine emerging issues, trends and analyze the impact / implications of those trends. : Measure and monitor credit score and policy changes across the credit life cycle (adjudication, customer management and collections) with a focus on independent analysis of the risk:return trade:off. : Collaborate with GRM colleagues to improve portfolio monitoring and account management capabilities through integration of new models and frameworks. : Support annual strategic planning process through thought leadership on implications to KPIs and risk related metrics, based on business objectives and growth plans. : Enable and deliver analyses and strategy development for Business Banking Credit Risk initiatives related to Capital optimization and Risk Adjusted Return on Capital. : Execute day:to:day activities in a manner consistent with the Bank's risk culture and the relevant risk appetite statement and limits. Communicate the Bank's risk culture and risk appetite statement. : Create an environment in which his/her team pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and