TD
10,000+ employees
Founded 1855
🏦 Banking
💸 Finance
🛡️ Insurance
💰 Grant on 2023-10
Banking • Finance • Insurance
TD is one of North America's biggest banks offering a wide range of banking services including personal and business banking, insurance, wealth management, and securities. TD is committed to sustainability, diversity, equity, and inclusion, ensuring a supportive and inclusive workplace where employees are empowered to grow. The bank provides various roles and career opportunities across different regions with a focus on community impact and professional development. TD's culture is defined by care and respect, aimed at benefiting their business performance, customers, and communities.
Risk Manager II, Unsecured Lending
🕒 July 29
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TD
10,000+ employees
Founded 1855
🏦 Banking
💸 Finance
🛡️ Insurance
💰 Grant on 2023-10
Banking • Finance • Insurance
TD is one of North America's biggest banks offering a wide range of banking services including personal and business banking, insurance, wealth management, and securities. TD is committed to sustainability, diversity, equity, and inclusion, ensuring a supportive and inclusive workplace where employees are empowered to grow. The bank provides various roles and career opportunities across different regions with a focus on community impact and professional development. TD's culture is defined by care and respect, aimed at benefiting their business performance, customers, and communities.
📋 Description
• Oversee portfolio credit risk on retail unsecured lending products, including credit cards, personal loans, and overdraft • Oversee creation, implementation, and validation of risk segmentation strategies • Support adjudication, exposure management, risk segmentation, financial return optimization, and risk appetite establishment • Focus on overdraft functions related to depository products and potentially other unsecured products • Provide critical information, interpretative analysis, and detailed analysis • Deploy credit risk strategies ensuring decisions remain within TD risk appetite and comply with governmental requirements and guidelines • Act as an expert at the enterprise or group business level • Serve as primary regulatory interface for risk issues and requirements affecting a key business segment • Assess and provide direction for existing and new regulations • Interface cross-functionally with teams beyond risk • Represent the business on corporate initiatives, identify key risks and implications, and provide direction in complex situations • Develop and present recommendations to Senior Management • Perform occasional domestic travel and continuous sedentary, multitasking, office-equipment, concentration, reading, writing, comprehension, and basic arithmetic activities
🎯 Requirements
• Bachelor's degree required; graduate degree preferred or progressive work experience may substitute • 10+ years' experience required • Proficient PC skills in MS Office and PC-based analytical and reporting software • Experience with relational databases and ETL using SQL or SAS • Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker • Expertise in retail lending or unsecured lending credit risk • Advanced knowledge of card strategies, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, and ROE • Strong analytical and problem-solving skills • Flexibility to adapt to rapidly changing requirements • Extremely strong attention to detail and ability to prioritize tasks • Ability to develop and maintain productive business and peer relationships • Superb written and verbal communication skills • Experience developing and presenting recommendations to Senior Management • Advanced Python coding ability is nice to have but not required
🏖️ Benefits
• Base salary and variable compensation/incentive awards • Eligibility for cash and/or equity incentive awards through an incentive plan • Health and well-being benefits • Savings and retirement programs • Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO • Banking benefits and discounts • Career development • Reward and recognition • Regular career, development, and performance conversations • Online learning platform • Mentoring programs • Training and onboarding sessions • Competitive benefits plan • Respectful and inclusive workplace • Accommodation support during the application process
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