Job Description

Requisition ID: 224710
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Term: September - December 2025

Work Hours/Term: 37.5

Application Deadline: 5/23/2025

There's no better way to kickstart your career than to do a co-op or internship with Scotiabank! During your work term, you'll have the opportunity to be part of a winning team, build your network, and discover what you love – all while getting paid to do it! There's a place for every type of student at Scotiabank and all that we ask for is that you have passion and strong AOO (Attitude, Ownership and Opportunity).

Global Transaction Banking (GTB) is a strategically important franchise that offers comprehensive transaction banking solutions on a global basis to Small Business, Commercial, Corporate and Multinational clients. GTB supports clients to manage their payments, collections, optimize cash conversion cycle and invest excess working capital.

As Analyst, Commercial Cards Portfolio Management on the Commercial Cards team you will play a critical role in leading and driving the Commercial Cards portfolio management initiatives. This includes monitoring the performance of client programs as well as the general portfolio P&L to identify opportunities around cost avoidance, cost savings, growth and improved client margins.

This position contributes to the profitability and revenue growth of the Global Transaction Banking portfolio through supporting the establishment of sound financial strategies of the Commercial Cards solutions and therefore maximize market share, enhanced growth opportunities and experience.

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

Support growth in revenues and customer satisfaction on the Commercial Cards portfolio by:

• Enhance the competitive advantage of the product by generating insights from data that will help the product team when formulating the product strategy.
• Collaborating with the Technology, Sales, and AML/Risk teams to understand the product vision, including the customer impacts, business/stakeholder value, system dependencies and technological processes, both internal and external
• Monitor monthly product results to ensure products are performing as expected and resolving issues that arise in a timely manner with updates to partners and escalations to management as required
• Maintain the end-to-end process map, helping ensure accountable stakeholders are operating to the agreed responsibilities
• Determining where product gaps may exist with respect to customer needs, competitive offerings, and market trends
• Understanding the voice of the customer and front-line staff to improve product quality
• Participating in vendor partnership management to support product portfolio
• Providing ad hoc support and subject matter expertise to partners as require

Review financials, key performance indicators, and trends for:

• Determining key product opportunities and issues by maintaining critical financial lens
• Working with the pricing and operations teams to drive revenues and implement margin enhancement opportunities
• Maintaining a high quality market intelligence program, including the competitive landscape, customer needs, and external stakeholder management
• Support special pricing requests and RFP opportunities

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

• You are currently enrolled in post-secondary education.
• You love to learn and envision yourself working for an international organization that heavily invests in your future.
• You have excellent analytical, written, and verbal communication skills.
• You are an enthusiastic self-starter with ability to prioritize and multi-task, working both independently and within a team environment.
• You have great attention to detail, are proactive and responsive to short deadlines.
• Self-starter possessing confidence and initiative; able to cope with changing and evolving priorities while identifying new opportunities
  
• Excellent communication, interpersonal, and strategic negotiating skills
• Understanding of payments, industry trends and practices, innovative digital platforms, policies and procedures. Familiarity with the way large market Accounts Payable and Procurement departments operate.
• Excellent Data Management skills, Outstanding Excel knowledge, proficiency in PowerBi an asset.

What's in it for you?

• You'll be part of a diverse, collaborative, innovative, and high-performing team.
• In-depth training to prepare you for the role, as well as ongoing coaching and feedback to help you succeed!
• Exclusive student events such as Scotia Student Day, Lunch & Learns, leadership panels, and much more!
• Bank-wide orientation to learn more about Scotiabank and gain exposure to senior leadership across the organization.

How do I apply?

• For students applying to our internship/co-op or new graduate programs, we do not require resumes! We believe in evaluating you through relationships over resumes and are focused on learning about who you are and what you're interested in to uncover your true potential. Instead, we ask that as part of your application you complete the below:
• Complete your PLUM Profile here and save as a screenshot.
• Complete a short one-way video interview here .
• Apply to the role and when the application asks for your resume, instead upload the screenshot of your PLUM Profile.

*To be considered for student opportunities at Scotiabank, Tangerine, and MD Financial you must complete all steps above.

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, please click here . 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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