Job Description

TD Description
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Department Overview
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.

Reporting to Senior Manager, Credit Card Account Management and Portfolio Oversight, this role will provide analytical thought leadership and support for credit risk initiatives related to automated adjudication decisions, either through reactive adjudication decisions or proactive Pre-approval Offers. 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:

• As a Risk Manager, you will leverage your understanding of consumer credit behaviour to investigate, create, implement, and validate various strategies, scorecards and policies through developing business cases, performing pre and post implementation monitoring and reporting to ensure targets are achieved.
• Gain a deep understanding over complex automated credit decision systems and strategy engines. Translate data driven insights into technology solutions that give the ability to operate and control retail credit strategies to manage credit risk.
• Through advanced analytics involving big data - data collection, wrangling, and exploration - apply statistical techniques to proprietary data to identify features, characteristics, or signals that inform and enable discrimination of credit risk or serve as a leading indicator of potential change in credit risk.
• Work collaboratively with stakeholders and partners to design and recommend solutions - potentially including new decision tools and segmentation, that improve the understanding and quantification of risk. Play an active role in supporting engagement of senior management in socializing and gaining formal approval of recommendations.
• Perform detailed analysis and interpret information to make recommendations to Senior Management and Executives on critical strategies including non-standard and ad-hoc requests as determined by management.
• Through advanced analytics and data mining, translate insights into knowledge to assess and provide effective challenge on the health of the Credit Card portfolio and strategies. Support Risk Management Points of View to inform Management of increasing and emerging risks.
• Work effectively with internal stakeholders, including Business Line and Technology partners, to support / lead the identification, development, implementation and monitoring of strategies and programs, including potentially leading special project teams or cross functional work groups.
• Monitor strategies, using all appropriate quantitative methods and reporting tools, provide insight on variances and make recommendations to further the achievement of Credit Card Lending business objectives, while controlling delinquency and losses within the approved risk appetite and produce those reports on a regular basis.
• Demonstrate governance and control, as well as risk management behaviors in alignment with TD policies and practices.
• Become an SME on the operational aspects of adjudication engine where automated strategy is hosted.

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork and ensure timely communication of issues/ points of interest.
• Participate in personal performance management and development activities, including cross training within own team.
• Lead, motivate, and develop relationships with internal and external business partners to develop productive working relationships.
• Contribute to a fair, positive, and equitable environment that supports a diverse workforce.

BREADTH & DEPTH

• Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders.
• Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels.

Job Requirements
This role requires a combination of technical skills, project management, business knowledge and interpersonal skills:

Technical and Analytical Skills:

• Experience in data mining and analysis either from a business administration, statistical, mathematical, scientific, or financial background is required
• High Proficiency in SQL, SAS, Python, R, and Tableau
• Strong analytical ability and problem-solving skills are required to interpret data and draw conclusions
• High Proficiency in MS Office: Excel (including pivot tables, charts and graphics), PowerPoint, Word
• Acute attention to detail to solve problems and overcome challenges

Business Knowledge:

• Advanced knowledge and understanding of credit products
• Experience developing and presenting recommendations to senior management
• Understanding of credit products, policies, and processes

Interpersonal Skills and Project Management:

• Strong ownership mentality and a can-do attitude.
• Strong presentation and communication skills.
• Flexibility to adapt to rapidly changing requirements.
• Proven ability to develop and maintain productive business / peer relationships, including superior communication, interpersonal, and influencing skills in a fast-paced dynamic environment.
• Ability to work independently and in teams, including occasionally managing cross functional or special project teams.
• Must be self-motivated, energetic and results oriented and be committed to adding value to the organization.
• Must possess strong organizational skills and the ability to manage a range of tasks and issues simultaneously to a positive outcome and in a timely manner.
• Participate fully as a team member, promote team effectiveness and contribute to a positive work environment including the ability and desire to engage and coach coworkers.

#LI-Hybrid
Inclusiveness
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.
Job Family
Credit Risk Management
Job Category - Primary
Risk Management
Job Category(s)
Risk Management
Hours
37.5
Business Line
Corporate
Time Type
Full Time
Employment Type
Regular
Country
Canada
**Province/State (Primary)
Ontario
City (Primary)
Toronto
Work Location
TD Centre - North - 77 King Street West
Job Expires
28-Aug-2022