Manager, Credit Risk Automation, Small Business Banking (ATH 4941)

About the role

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client

Additional Information

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Risk Management Pay Details: $96,900 - $136,800 CAD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. 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 base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Job Description: Department Overview: The Small Business Banking Risk strategy team is responsible for the development, monitoring and execution of risk strategies and initiatives that will assist our business partners in achieving growth and profitability while supplying effective challenge to maintain the overall risk quality of our lending portfolios. Job Description: As a Risk Manager, you will be leading the development, implementation and monitoring of the acquisition and account management credit strategies for Small Business (SBB) products. Strategy design plays an important role in SBB business performance, and the successful candidate will be responsible for developing, communicating and recommending changes to improve decision strategies. This role will also provide effective challenge and ownership and execution of credit risk initiatives related to the SBB portfolio. You will work closely with internal Risk partners, as well as the product and technology areas. Key accountabilities include: Design credit automated strategies Support credit automation strategy management, monitoring, testing and verification Provide effective challenge to SBB line of business counterparts Develop innovative business ideas and methods in the automation strategy design process Play a leading role in coordinating interactions and initiatives with stakeholders and partner teams Provide guidance and support to team members with business knowledge and technical capabilities Monitor portfolio health and raise insights to management and line of business Drive forward and take ownership of planning for strategic long-term initiatives Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas Support regulator and audit requests Job Requirements: This role requires a combination of technical skills, project management, business knowledge and interpersonal skills 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 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 Experience is conducting analysis in Rahona (Analytical Zone) & Power BI 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 PowerPointBusiness Knowledge: Credit Risk Management Experience in a financial institution or similar is a strong asset Ability to provide effective challenge to key business partners and stakeholders Understanding of retail credit products, policies and processes, SBB or Commercial 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. Maths, Statistics, Science, Computer Science or similar). A Master's Degree is an asset.

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