JOB DESCRIPTION:

Job Description:
Reporting to the AVP, Credit Cards & Personal Lending Risk Management, the Senior Manager, Credit Risk Strategies, will lead a dynamic and innovative team that is responsible for developing, enhancing and monitoring Credit Card origination and exposure management strategies. This high-impact role will provide thought leadership on Credit Card ARDs, from ideation to implementation, and provide effective risk challenge throughout the credit lifecycle, while enabling business growth within risk appetite through continuous improvement and ongoing performance monitoring.
The successful candidate will lead a team of credit risk professionals in a fast-paced and results-oriented environment, where effective collaboration and colleague engagement are prioritized.

Specific accountabilities include:

• Lead effective challenge on the health of the portfolio and enable business growth within risk appetite by leading Credit Cards adjudication strategies activities at all stages: development, design, testing, monitoring, and verification of ARDs.
• Proactively identify new opportunities to increase credit decision automation and modernize the ARD landscape through the innovative use of data, advanced analytics and models.
• Work closely with key business leaders to develop a joint roadmap, ensuring the optimal use of resources and leverage TD’s operating model to maximize efficiency, effectiveness and scale.
• Provide insights and analysis that will identify risk trends and business opportunities to inform revenue enhancement and loss mitigation decisions.
• Help support transformative projects for the Business from a Credit Risk standpoint. These could include analytical projects that require strong credit acumen and could pave the way for Business growth over the medium term.
• Collaborate with a variety of cross-functional stakeholders across Cards Product, Journeys, Platforms, Technology, Model Development, and other Risk and Control partners.
• Build stakeholder alignment in leading projects and activities through effective communication; gain approval from key stakeholders and provide subject matter expert advice at senior levels.
• Strategic partner to leadership team on the management of the portfolio and financials, with deep industry and enterprise knowledge, recognizing and anticipating emerging trends.
• Provide guidance and thought leadership to a team of Risk Management Professionals; challenge their work and understand their strengths to help unlock their full potential.
• Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches.
• Cultivate a positive and inclusive work environment that encourages innovation and diversity of thought.

Job Requirements:
This role requires a thought leader in credit risk decisioning with advanced risk management and business knowledge, strong analytical skills, effective communication and collaboration, and a passion for developing others.

Risk Management and Business Knowledge:

• 4-6 years of Credit Risk Management Experience in a financial institution is an asset.
• Strong understanding of retail credit products, policies, and processes; Credit Cards experience is an asset.
• Strong business acumen combined with an acute sense of doing what’s right for the customer and what’s right for the bank.
• Understanding of credit risk principles and TD risk framework.
• Demonstrated analytical, insights and problem-solving skills.

Leadership Skills:

• Ability to inspire and lead a small team of credit risk professionals.
• Excellent stakeholder and relationship management skills.
• Ability to communicate complex ideas in a concise and compelling manner.
• Strong ownership mentality and can-do attitude.
• Flexibility and resilience to execute in an agile environment, including the ability to manage multiple tasks concurrently.
• Strong writing, presentation, and communication skills, with the ability to influence at senior levels.

Technical Skills:

• Superior understanding of data structures and platforms. Proficiency in SQL and Python. Experience with MS Azure cloud is an asset.
• Demonstrated hands-on experience in advanced analytics and data-driven strategy design and management.
• Understanding of credit scoring models and machine learning modeling techniques and applications.
• Understanding of bank core technology platforms and credit systems.
• High proficiency in MS Office: Excel (pivot tables etc.), Word and PowerPoint.

Education and Accreditation

• Post-secondary degree, preferably in a quantitative field, e.g., Mathematics, Statistics, Computer Science, Data Science, Engineering or similar.
• A Master’s Degree is 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Please refer the Job description for details