You're using an older version of Internet Explorer that is no longer supported. Please update your browser.

Credit Risk Manager, Automated Risk Decision

Toronto, ON
Full Time
11 hours ago
Company Overview

Tell us your story. Don't go unnoticed. Explain why you're a winning candidate. Think "TD" if you crave meaningful work and embrace change like we do. We are a trusted North American leader that cares about people and inspires them to grow and move forward.

Stay current and competitive. Carve out a career for yourself. Grow with us. Here's our story:

Department Overview
The TDAF Risk Strategy & Policy 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), monitoring and oversight of a highly dynamic and exciting portfolio, and supporting policy changes.

Job Description

Reporting to the Senior Manager, TDAF Credit Risk Strategy & Policy, 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.

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

Additional Information
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.



At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
Management and Executive