Job Description

Reporting to the Manager, TDAF Credit Risk Strategy, the Senior Risk Analyst will implement and monitor the Credit Risk strategy enhancements 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 Auto Adjudication Acquisition Strategies
• Regularly monitor performance of existing and new strategies, 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 strategies.
• 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

Job Requirements

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

Interpersonal Skills:

• Strong ownership mentality and can do attitude
• Flexibility and resilience to execute in an agile environment, including the ability to manage multiple tasks concurrently
• Excellent relationship management skills
• Great attention to detail
• Strong presentation and communication skills

Technical Skills:

• High Proficiency in SAS, SQL and Python, familiarity with Tableau, R; prior experience in machine learning would be considered a strong asset
• High Proficiency in MS Office: Excel (Pivot tables and etc.), Word and PowerPoint
• Computer programming background (i.e. Visual basic, C or other) is an asset

Business Knowledge:

• 4-5 years of Credit Risk Management Experience in a financial institution or similar
• Understanding of retail credit products, policies and processes, TDAF 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. Math, Statistics, Computer Science or similar).
• A Master's Degree is considered to be 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.

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:
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.

Colleague Development
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll 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 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.

We look forward to hearing from you!

Language Requirement:
N/A.