Manager, Credit Risk Automation, Small Business Banking (ATH 4941)

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 Small Business Banking Risk strategy team is responsible for the development monitoring and execution of risk strategies and initiatives that will assist our business partners in achieving growth and profitability while supplying effective challenge to maintain the overall risk quality of our lending portfolios.

Job Description:

As a Risk Manager you will be leading the development implementation and monitoring of the acquisition and account management credit strategies for Small Business (SBB) products. Strategy design plays an important role in SBB business performance and the successful candidate will be responsible for developing communicating and recommending changes to improve decision strategies. This role will also provide effective challenge and ownership and execution of credit risk initiatives related to the SBB portfolio. You will work closely with internal Risk partners as well as the product and technology areas.

Key accountabilities include:

• Design credit automated strategies
• Support credit automation strategy management monitoring testing and verification
• Provide effective challenge to SBB line of business counterparts
• Develop innovative business ideas and methods in the automation strategy design process
• Play a leading role in coordinating interactions and initiatives with stakeholders and partner teams
• Provide guidance and support to team members with business knowledge and technical capabilities
• Monitor portfolio health and raise insights to management and line of business
• Drive forward and take ownership of planning for strategic long-term initiatives
• Strategic partner to leadership team on the management of the portfolio and financials with deep industry external / internal enterprise knowledge recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas
• Support regulator and audit requests

Job Requirements:

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

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

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
• Experience is conducting analysis in Rahona (Analytical Zone) & Power BI
• 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 PowerPointBusiness

Knowledge:

• Credit Risk Management Experience in a financial institution or similar is a strong asset
• Ability to provide effective challenge to key business partners and stakeholders
• Understanding of retail credit products policies and processes SBB or Commercial experience is a strong asset
• Demonstrated analytical reporting and problem-solving skills

Education and Accreditation

• Post-secondary degree is required (preferably in a quantitative field: i.e. Maths Statistics Science Computer Science or similar).
• A Masters Degree is an asset.

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):