Wares R
Director, Portfolio Analytics & Oversight, Automotive Lending - Global Risk Management at Scotiabank | Greater Toronto Area, Canada
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Wares R. currently serves as the Director of Portfolio Analytics & Oversight within Scotiabank’s Global Risk Management division, specializing in Automotive Lending. In this strategic leadership role, Wares leverages over 18 years of comprehensive experience in retail banking risk management, encompassing credit origination, portfolio risk assessment, and recovery strategies. His expertise is instrumental in overseeing the bank’s largest automotive lending portfolio in Canada, which spans Prime, Sub-Prime, and Leasing segments, ensuring robust risk frameworks and compliance with industry standards such as BASEL II and ICAAP stress testing.
At Scotiabank, Wares is responsible for developing and implementing advanced risk analytics and statistical modeling techniques that enhance risk segmentation and improve decision-making processes. His focus on transparency and risk appetite aligns with the bank’s strategic objectives, enabling proactive identification of emerging risks and fostering a culture of continuous improvement. Wares’s leadership in risk technology and fraud prevention initiatives has been pivotal in optimizing collections and recovery strategies, ultimately driving portfolio performance and resilience.
His ability to think big and execute with precision is complemented by his talent management skills, guiding cross-functional teams through complex change management initiatives and strategic transformations. Wares’s deep industry knowledge and analytical acumen position him as a key driver in shaping Scotiabank’s risk management practices, ensuring sustainable growth while maintaining rigorous oversight and compliance standards. His strategic vision and operational expertise continue to contribute significantly to the bank’s success in navigating the evolving automotive lending landscape.
Director, Portfolio Analytics & Oversight, Automotive Lending - Global Risk Management at Scotiabank in July 2022 to Present
Director – Risk Technology, Global Risk Management at Scotiabank in June 2018 to June 2022
Senior Manager – Collections Strategy, Global Risk Management at Scotiabank in August 2016 to May 2018
Country Credit Head – Retail Banking at Standard Chartered Bank in February 2013 to August 2016
Head of Credit Policy– Retail Lending at Standard Chartered Bank in March 2009 to February 2013
Head of Fraud Risk, Authorization & Scorecards Mgt. at Standard Chartered Bank in June 2006 to March 2009
Business Analyst, Process Analysis & Reporting - Risk Operations at American Express in August 2004 to May 2006
Manager, Direct Marketing & Customer Development at OLG in January 2004 to August 2004
Business Analyst, Portfolio Management & Enrolment at Toronto Hydro in September 2002 to January 2004
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Dalhousie University, Master's Degree
Long Island University, Bachelor's Degree
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Credit Information
Problem Solving
Business Insights
Enterprise Risk
Transparency
Risk Frameworks
Policies & Procedures
Management Consulting
Process Design
Thinking Big
Data Privacy
Creative Problem Solving
Technology Trends
Talent Management
Strategic Initiatives
Project Risk
Project Implementation
Presentations
Negotiation
Finance
Independent Contractors
Internal Audits
Communication
SAS Enterprise Miner, OLAP, DBMiner, Cognos PowerPlay & Impromptu
SAS Programming, SQL PLUS, and HTML
Statistical Modeling, Credit Scorecard, Predictive Models
Consumer Credit Risk Management, Project Management, and Process Re-engineering
Risk Appetite, BASEL II framework and ICAAP Stress Testing
Operational Risk management, Fraud Risk & Authorization Management
Credit Risk
Portfolio Management
Risk Management
Retail Banking
Credit
Financial Risk
Operational Risk
Financial Analysis
Banking
Credit Analysis
Analysis
Credit Cards
Enterprise Risk Management
Loans
Risk Assessment
Team Management
Analytics
Customer Analysis
Financial Modeling
Management
Strategy
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Discover more about ScotiabankWhat is Wares R email address?
Email Wares R at [email protected] and [email protected]. This email is the most updated Wares R's email found in 2026.
How to contact Wares R?
To contact Wares R send an email to [email protected] or [email protected]. (updated on March 17, 2025)
What company does Wares R work for?
Wares R works for Scotiabank
What is Wares R's role at Scotiabank?
Wares R is Director, Portfolio Analytics & Oversight, Automotive Lending - Global Risk Management
What is Wares R's Phone Number?
Wares R's phone (416) ***-*109
What industry does Wares R work in?
Wares R works in the Banking industry.
Wares R Email Addresses
Wares R Phone Numbers
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