Director, Day to Day Banking
Requisition ID: 191372
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
Provides strategic direction, leadership and oversight for Retail Day to Day Banking Products in Canada 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:
Lead and drive a client-first culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge
Manage Profit and Loss statements for the Retail Day to Day business, including delivering on financial goals/targets for NII, NIR and NIAT
Lead all aspects of product management for the business lines, including product design & development, offers & pricing, distribution & marketing, and regulatory requirements
Product design & development: Maintain a best-in-class D2D product shelf with clear value propositions for prioritized segments and products that support client primacy. Innovate continuously to meet changing client needs and keep up with industry trends.
Offers & pricing: Maintain competitive pricing that supports client growth and financial target attainment. Partner closely with Retail Client Growth to develop mass and targeted offers that support acquisition targets and deliver incremental market share growth in priority segments. Partner with Finance to build and manage an incentive budget that balances growth and cost.
Distribution & marketing: Partner effectively with branch, contact centre and digital partners to deliver a seamless client and advisor experience. Partner with marketing to achieve acquisition targets.
Regulatory requirements: Have a solid understanding of the regulatory environment and work closely with Internal Controls partners to ensure requirements are met and issues are managed and remediated appropriately.
Be responsible for the end-to-end client experience with a focus on creating a differentiated experience based on client value/segment.
Define the value proposition and client experience for priority segments in partnership with the Segments team
Ensure the client experience across channels is coherent and consistent. Continue to expand offerings to digitally guided and self-serve channels.
Partner with Retail Client Growth and Digital to create a seamless onboarding experience and to optimize early month on book engagement
Stay current on the best-in-class experiences other banks and FIs offer domestically and abroad. Continuously bring in the external perspective to stay competitive.
Partner with Fraud to protect the Bank and our clients.
Maintain/Design the right offers and product shelf to support the Bank’s client primacy and deposit objectives.
Leverage data and analytics to understand own client and market behaviours. Communicate industry and portfolio trends/insights effectively to the frontline and senior executives.
Direct day-to-day activities in a manner consistent with the Bank’s risk culture and the relevant risk appetite statement and limits. Communicates the Bank’s risk culture and risk appetite statement throughout their teams.
Create 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:
Strong understanding of retail banking products and retail client needs
Exceptional business planning, strategy development and execution skills
Proven relationship management skills with demonstrated seamless collaboration across multiple stakeholders
10 years+ of relevant experience across retail financial products
Proven senior management experience in leading complex multi-stakeholder initiatives, with expert track record of delivering on time/budget
Recognized and resilient team leader skills who inspires a results-oriented, customer-centric culture
Location(s): Canada : Ontario : Toronto
Scotiabank is a leading bank in the Americas. Guided by our purpose: “for every future”, we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.
At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, pleaseclick here (https://www.scotiabank.com/careers/en/careers/technical-support-for-applicants.html) . Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.
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