Group Risk Specialist (ATH 4996)

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 candidates 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 Group Risk Management job family is accountable for the development and implementation of TDs risk management strategy governance policies practices programs reporting and operating frameworks regulatory affairs and operations associated with the Risk Management function.

Credit Risk provides second line of defense oversight through review analysis inquiry and discussion throughout the credit life cycle; roles focus on a comprehensive and diverse range of risk management expertise to the lines of business and control partners.

The TD Retail Risk Management Credit Card and Personal Lending (RRM CC & PL) Strategy team is responsible for the development and execution of CC and PL automated credit adjudication strategies and initiatives that assist our product partners to achieve growth and profitability targets while maintaining the overall credit risk quality of CC and PL lending portfolio and ensuring portfolio performance within risk appetite. Accountabilities include providing effective challenge on CC and PL Portfolio as well as designing implementing and monitoring credit risk strategies.

Job Description :

This role reports to the Senior Manager of Origination MBNA ODP and Business Visa Credit Card. The successful candidate will join a dynamic and innovative team responsible for owning Business Visa (BVISA) credit strategies monitoring portfolio performance and providing effective challenge on credit risk activities including endtoend ownership of the credit risk strategy design implementation and monitoring for BVISA new account originations.

Key responsibilities include:

• Develop deep expertise in automated credit decisioning frameworks including deterministic systems predictive risk models TDs risk appetite and credit lending strategies with a focus on increasing automation and improving decision outcomes.
• Represent Retail Risk Management as a subject matter expert in the planning and delivery of new initiatives.
• Partner closely with crossfunctional stakeholders including Credit Cards and Personal Lending Product Retail Risk teams Analytics Technology and other control functions to deliver shared outcomes.
• Leverage advanced analytics and largescale data to identify opportunities to enhance credit decisioning frameworks balancing business objectives with risk outcomes.
• Provide valueadd analysis reporting and monitoring to support risk oversight and business partner needs; act as a trusted advisor on a broad range of riskrelated matters.
• Mentor and develop junior team members including championing cloud enablement and adoption of AIpowered tools to drive improvements across the broader team.
• Lead the development testing and ongoing monitoring of automated risk processes.
• Own delivery of initiatives that drive risk efficacy and business growth including concept development senior management socialization governance submissions implementation and postimplementation oversight.
• Shape the future state of BVISA credit strategies across digital and assisted channels driving alignment across Risk and Business partners and supporting senior management engagement and approvals.

Employee & Team

• Contribute fully as a team member fostering a positive inclusive environment that values collaboration highquality output and continuous improvement.
• Apply subject matter expertise to support the ideation and delivery of both immediate and enterprise initiatives.
• Participate in performance management and development activities including crosstraining within the team.
• Communicate proactively and clearly on project status risks and key developments.
• Build and maintain strong productive relationships with stakeholders and partners.
• Support a fair equitable and diverse workplace.

Breadth & Depth

• Take ownership of complex problems leveraging TDs data assets and stakeholder input to drive sound riskbalanced decisions.
• Build stakeholder alignment when leading initiatives and provide process and subject matter guidance to senior levels as required.

Job Requirements:

This role requires a strong combination of technical expertise analytical problemsolving business acumen and interpersonal effectiveness.

Technical Skills

• Proficiency in SQL SAS Python and ETL processing
• Experience with Microsoft Azure or similar cloud platforms including enabling governed analytics and AI use cases in cloud-based environments is an asset.
• Demonstrated handson experience using data and analytics to solve complex problems with a strong understanding of data structures and platforms.
• Solid knowledge of credit scoring models with working experience in regressionbased and machinelearning techniques.
• Proven experience designing implementing and managing datadriven credit strategies including producing clear and comprehensive documentation.
• Strong attention to detail with the ability to operate effectively in a fastpaced environment.
• High proficiency in MS Office particularly Excel (e.g. pivot tables charts and visualizations) and PowerPoint.

Business Knowledge

• Prior Credit Risk Management experience within a financial institution preferred.
• Strong understanding of the consumer lending landscape and retail credit products policies and processes.
• Ability to navigate complexity and develop practical solutions to large ambiguous problems.
• Demonstrated analytical reporting and structured problemsolving skills.

Interpersonal Skills

• Strong sense of ownership and continuousimprovement mindset paired with a proactive resultsoriented approach.
• Excellent written and verbal communication skills with the ability to tailor messages to diverse audiences including senior executives.
• Strong relationshipmanagement and influencing skills enabling effective collaboration across a broad set of stakeholders.
• Resilience and flexibility to manage competing priorities adapt to changing demands and respond to urgent issues as needed.

Education and Accreditation

• Graduate degree in a quantitative field e.g.: MSc Statistical Science Masters of Data Science MSc in Management Business Analytics Masters of Business Analytics Masters of Management Analytics or similar. 5 years relevant experience.

or

• Undergraduate degree in a quantitative field e.g.: Math Statistics Computer Science Engineering Applied Science or similar. 7 years relevant experience.

Who We Are:

TD is one of the worlds 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 95000 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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 youre 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.

Were 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 youve got everything you need to succeed in your new role.

Interview Process
Well 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 youd 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):