Manager, Capital Optimization

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The Manager, Capital Optimization is accountable for supporting the identification, analysis, development, and delivery of initiatives that improve capital efficiency, risk-adjusted returns, and portfolio performance across the Commercial loan book. Reporting to the Senior Manager, Capital Optimization, this Level 10 role will translate capital, RWA, RAROC, BRR, FRR, pricing, and portfolio insights into clear recommendations, decision tools, business cases, and execution plans. The role will work closely with Commercial Lending Product, Finance, Risk, AI2, Treasury, Enterprise Capital, Technology, Operations, and front-line partners to advance in-flight capital optimization work and build a pipeline of future opportunities. The role requires strong analytical capability, comfort operating through ambiguity, and the ability to convert technical capital concepts into practical recommendations for senior leaders and business partners. Key Accountabilities Capital Optimization Analysis and Opportunity Assessment • Support the Senior Manager in building and maintaining a prioritized pipeline of capital optimization opportunities across Commercial Lending. • Analyze RWA drivers, BRR and FRR outcomes, RAROC performance, pricing economics, portfolio mix, and segment-level profitability to identify opportunities for improved capital productivity. • Conduct detailed opportunity sizing, scenario analysis, sensitivity testing, and impact assessments to quantify potential capital, RWA, ROE, RAROC, risk, operational, and customer impacts. • Assess the feasibility, dependencies, governance requirements, risks, and execution complexity of capital optimization initiatives. • Translate technical analysis into clear recommendations, options, pros and cons, and decision materials for the Senior Manager, AVP, VP, and cross-functional partners. • Maintain disciplined documentation of assumptions, methodologies, data sources, findings, and decisions to support governance, auditability, and future handoff. ________________________________________ Drive Cross-Functional Execution and Ongoing Insights • Partner with Commercial Lending Product teams, as well as Finance, Risk, AI2, Treasury, Enterprise Capital, Model Development, Technology, Operations, and front-line business partners to advance initiatives from analysis to implementation, including the embedding of controls aligned with risk appetite, business objectives and regulatory expectations. • Leverage analytics and modeling to evaluate client profitability, capital intensity, RWA drivers, RAROC outcomes, and portfolio performance. • Translate capital, RAROC, pricing, and portfolio insights into practical decision-making tools, recommendations, and executive-ready materials for senior leadership. • Compile and interpret capital, RAROC, pricing, and portfolio reporting, providing senior leadership with clear insights into performance, risks, trade offs, decisions required, and opportunities. • Lead governance forums, business reviews, or executive updates related to capital optimization, articulating progress, risks, dependencies,