Risk Manager (ATH 2993) - #192188

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line Of Business:

Risk Management

Pay Details:

$91,200 - $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 credit 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 design, development, implementation and monitoring of the credit automation strategies (acquisition, offers, and account management) 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 & enhance 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 such Model Development, Model Validation amongst others, as well as the product and technology areas.

Key Accountabilities Include:

• Design, develop and implement credit automation strategies (acquisition, offers, and account management)
• Support automation strategy management, monitoring, testing and verification
• Provide effective challenge to SBB line of business counterparts
• Analyse large set of data and conduct simulation analysis
• Develop innovative business ideas and methods in the 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
• Support regulator and audit requests
  
  

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
• Ability to influence successful outcomes with key stakeholders and senior management
• Excellent relationship management skills
• Great attention to detail
• Strong presentation and communication skills
  
  

Technical Skills:

• High Proficiency in Python, SAS, SQL, and Tableau, or a demonstrated ability to quickly learn new languages and platforms (a must to be successful in the role)
• prior experience in machine learning would be considered an 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:

• 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.
  
  

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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 (Quebec Only):

Sans Objet