Applied behavior analysis Jobs in Waterloo, ON

Manulife is a leading international financial services provider, helping people make decisions easier and lives better. Help shape the future you want to see — and discover that better can take you anywhere you want to go.

As a trusted partner to advisors, at Manulife Bank, we deliver sophisticated lending solutions and financial strategies that don’t just grow wealth, they amplify it. Built on a foundation of excellence and driven by bold innovation, we empower advisors to deepen relationships, unlock potential, and redefine success for their clients. We’re looking for visionaries who understand where banking is headed; those who can blend the precision of complex financial products with the possibilities of cutting-edge technology. Join us, and be part of a team where banking drives extraordinary outcomes.

The Manager, Margin Management will lead profitability and Net Interest Margin (NIM) optimization across Manulife Bank’s portfolio, owning the analysis and planning of the bank P&L drivers. This role will unify FP&A disciplines with yield management, building robust business cases, ideating profitability levers, impacting pricing decisions and influencing Funds Transfer Pricing (FTP) to align with strategy and financial targets. The manager will deliver clear insights to senior stakeholders and drive disciplined pricing governance.

Position Responsibilities:

• Profitability & NIM Ownership

  Own analysis of bank P&L components (interest income/expense), margin, spread, and portfolio yield to identify NIM improvement opportunities.

  Translate insights into actionable plans, targets, and performance tracking against financial objectives.

• Financial Planning & Analysis (FP&A)

  Influence annual/quarterly planning cycles for yield and margin, including scenario analysis, sensitivity testing, and KPI frameworks.

  Develop end-to-end business cases (assumptions, drivers, revenue/expense impacts, risks) to support pricing changes, product strategies, and balance sheet initiatives.

  Present clear recommendations to senior stakeholders and govern execution outcomes.

• Funds Transfer Pricing (FTP) & Pricing Governance

  Influence and evolve the FTP framework with Finance to align with profitability goals; ensure transparency of funds cost, liquidity premiums, and risk-based pricing.

  Maintain robust pricing governance across product lines; standardize methodologies and controls.

• Profitability Ideation & Execution

  Drive ideation for profitability levers (pricing, mix, segmentation, acquisition/retention, product features) and lead cross-functional execution.

  Run portfolio diagnostics to pinpoint margin leakage and corrective actions.

• Cross-Functional Partnership

  Collaborate closely with Finance, Analytics, Product, and Treasury to define, access, and monitor KPIs; align on P&L impacts and portfolio strategies.

  Deliver ad hoc yield and profitability analysis for senior stakeholders and decision forums.

Core Skills

• Financial Modeling & FP&A: business casing, forecasting, variance analysis, sensitivity/scenario modeling

• Pricing & FTP: Methodologies for funds cost, spread management, and governance processes

• Analytical Storytelling: Translating complex analysis into clear recommendations and executive-ready insights

• Cross-Functional Leadership: Driving alignment and execution across Finance, Analytics, Product, and Treasury

• Business Case Craftsmanship: Structuring hypotheses, quantifying impacts, and managing risk/assumptions.

Required Qualifications:

• University degree in Finance, Economics, Mathematics, or related field

• 5+ years in FP&A, financial analysis, or product management within banking or financial services

• Proven experience with margin, spread, portfolio yield analysis, and bank P&L management

• Advanced proficiency in financial modeling, reporting, business casing and scenario analysis; FTP experience is a strong asset

• Strong quantitative, analytical, and interpersonal skills; ability to influence strategic decisions across senior stakeholders

• Ability to collaborate with Finance, Analytics, Product, and Treasury to drive profitability initiatives

Preferred Qualifications:

• CPA, CFA, MBA or similar.

• Experience with both lending and deposit products.

• Track record in building business cases and leading pricing governance

• Background in balance sheet management, interest rate risk considerations, and liquidity cost frameworks (via FTP)

• Experience in multi-product bank portfolios (e.g., lending and deposit products) with demonstrated NIM impact.

• Bilingualism (English and French) is an asset. If the successful candidate is in Québec, proficiency in both languages will be required to support clients from various provinces outside of Quebec.

• We’ll empower you to learn and grow the career you want.

• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.

• As part of our global team, we’ll support you in shaping the future you want to see.

The role being advertised is an existing vacancy.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit .

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact .

Referenced Salary Location

Toronto, Ontario

Working Arrangement

Hybrid

Salary range is expected to be between

$92,900.00 CAD - $142,900.00 CAD

Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact for the salary range for your location.

Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact for more information about U.S.-specific paid time off provisions.

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