Credit Risk Specialist (ATH 4700)

Work Location:

Hours:

Line of Business:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

Department Overview:

The TDAF Risk Strategy Team is responsible for the development and execution of Automated Risk Decision and initiatives that will assist TDAF business partners to achieve growth and profitability targets while maintaining the overall risk quality of our lending portfolios. Accountabilities include providing leadership on optimizing Automated Risk Decision (ARD) and monitoring and oversight of a highly dynamic and exciting portfolio.

Job Description:

Reporting to the Senior Manager, TDAF Credit Risk Strategy, the Credit Risk Strategy Manager will develop, monitor and enhance Automated Risk Decision for the TDAF portfolio.

The successful candidate will work in a fast-paced and results-oriented environment and will be part of a learning culture where ongoing development is encouraged.

Specific accountabilities include:

• Participate in development, design, testing and verification of TDAF Automated Risk Decision for acquisition.
• Regularly monitor performance of existing and new ARDs, in terms of both the rate of auto-adjudication versus expectations and historical levels, and the on-book performance of loans which are funded through the various implemented ARDs.
• Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches for TDAF.
• Collaborate with all stakeholders including Risk Infrastructure and Reporting Team, TDBFG Risk, TDAF Product group and external vendors.
• Provide insights and analysis that will identify origination and delinquency trends and inform revenue enhancement and loss mitigation decisions.

Job Requirements:

This role requires a combination of technical skills, project management, business knowledge and interpersonal skills:

Business Knowledge:

• 4-5 years of Retail Credit Risk Management experience in a financial institution or similar
• Experience working with credit data, either within a risk management or product context
• Prior experience in automated adjudication strategy development would be considered a strong asset
• Auto Finance industry experience would be considered a strong asset

Technical Skills:

• High Proficiency in Python and SQL. Others such as SAS, Tableau, Angoss would be considered an asset
• Prior experience in machine learning (e.g., Decision tree, XGBoost) and building models in MS Azure would be considered a strong asset
• Proficiency in Big data (Hadoop, HIVE, Spark, etc.) would be considered an asset
• High Proficiency in MS Office:  Excel (Pivot tables and etc.), Word and PowerPoint

Interpersonal Skills:

• Flexibility and resilience to execute in an agile environment, including the ability to adapt and manage changing priorities
• Analytical and intellectually curious, seeking to understand root causes
• Great attention to detail
• Strong ownership mentality and can do attitude
• Strong presentation and communication skills
• Excellent relationship management skills

Education and Accreditation

• Post-secondary degree is required (preferably in a quantitative field: i.e. Math, Statistics, Computer Science or similar).
• A Master’s Degree is considered to be an asset.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process 
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):