Thomas Liang
Director Credit Risk Technologies Retail Risk Modelling @Scotiabank
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WORK HISTORY
Director Credit Risk Technologies Retail Risk Modelling @Scotiabank
Led the rebuild and modernization of the Bank’s credit risk management system to replace a vendor solution with an inhouse build. This application was used for real time simulation and batch processing to provide risk analytics and reporting to front office and risk management teams managing market and counterparty risk.
EDUCATION
Ryerson University
Bachelor of Commerce (B.Com.), Accounting and Business/Management
SKILLS
ABOUT THOMAS LIANG
I’m a risk and technology leader focused on building modern credit‑risk, data, and compliance capabilities for fintech and financial institutions. My work centers on improving decision quality, strengthening controls, and enabling scalable growth through clearer processes and practical technology adoption.I’ve led initiatives across credit risk, data platforms, and regulatory programs — often in environments where teams, systems, and expectations are evolving at the same time. I enjoy bringing structure to complexity, aligning cross‑functional groups, and helping organizations move from intention to execution.My approach is straightforward: understand the problem, design for clarity, and deliver solutions that teams can actually use. Whether it’s modernizing a credit‑risk platform, improving data quality, or supporting a regulatory mandate, I aim to create outcomes that are measurable, durable, and aligned with business goals.I’m particularly interested in how AI, data quality, and cloud platforms can improve risk management without adding unnecessary friction. I also value strong communication — translating technical or regulatory detail into clear, actionable direction for executives, partners, and teams.If you’re working on credit‑risk modernization, data transformation, or scaling risk capabilities in a fintech or financial services environment, I’m always open to connecting.
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