Credit Risk Monitoring Specialist

Risk Management

96,900 - $136,800 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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 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.
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.
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.
This role requires a combination of technical skills, project management, business knowledge and interpersonal skills:
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
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.), Flexibility and resilience to execute in an agile environment, including the ability to adapt and manage changing priorities
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.
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Together, we are reimagining what banking can be for our clients, colleagues and communities.
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. 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.
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.
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.
We do our best to communicate outcomes to all applicants by email or phone call.
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.
Language Requirement (Quebec only):