Requisition ID: 251036 

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

 

We are seeking a Data Engineer with strong financial‑services experience to design and optimize GCP‑based data pipelines supporting retail credit risk, regulatory reporting, and RDARR (BCBS 239) compliance. You will build high‑quality, reliable data flows used for risk analytics, IFRS9, capital models, stress testing, and enterprise reporting. This role requires both technical expertise and deep understanding of credit risk, loan lifecycle data, and regulatory expectations.

 

In this role you will: 

 

Build and enhance pipelines supporting IFRS9, PD/LGD/EAD modeling, collections analytics, and credit decisioning. Engineer ingestion and transformation for key domains: loan origination, customer & bureau data, behavioural/transaction data, portfolio data, payment history, collateral, and product metadata. Design and manage scalable ETL/ELT using Dataproc (Spark/PySpark), BigQuery, Cloud Composer (Airflow), Pub/Sub, Cloud Storage, Talend. Deliver batch and near–real‑time data processing for risk and finance applications. Perform complex transformations to standardize loan lifecycle states, normalize instrument/portfolio data, derive risk attributes (DPD, utilization, LTV, exposures, roll rates), and integrate data from multiple systems. Develop reusable, scalable transformation frameworks for regulatory and analytics teams. Data quality: Implement validation, reconciliation, and automated checks for completeness, integrity, duplicates, outliers, and business‑rule adherence. Ensure reliability and uptime of production pipelines, meeting RTO/RPO expectations. Support EOD/MTD/risk reporting cycles and investigate pipeline issues quickly to prevent downstream delays (e.g., IFRS9, stress testing, RCR‑CDS).

 

Do you have the skills that will enable you to succeed in this role? 
 

5+ years of data engineering experience in financial services, banking, or credit domains. Hands‑on experience with GCP (Dataproc, BigQuery, Cloud Storage, Airflow). Strong SQL (window functions, optimization) and Python for ETL/automation. Experience with large-scale credit, loan, customer, and risk datasets. Knowledge of RDARR (BCBS 239) requirements. Experience supporting regulatory processes such as IFRS9, Basel/CAR, risk & capital models, or retail credit risk reporting. Experience with metadata/lineage tools and governance platforms. Familiarity with credit bureau data and retail credit products. Exposure to real‑time/microservice ingestion (Pub/Sub, Kafka, Cloud Functions). Experience with Terraform, Docker, or Kubernetes. Strong attention to detail, ownership, and communication skills. Ability to translate business and risk requirements into scalable technical solutions. Spanish language skills are an asset.

 

 

What's in it for you? 
 

Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employee to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.  Accessibility and Workplace Accommodations - 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. Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.    Upskilling through online courses, cross-functional development opportunities, and tuition assistance.    Competitive Rewards program including bonus, flexible vacation, personal, sick days, and benefits will start on day one.  Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, cooking with friends, Humans of Digital and much more! 

 

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.