Risk Manager I (US)

Description

The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to : adjudication, account management, exposure management, risk segmentation, and financial return optimization.

This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines.

The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise.

The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools.

Depth & Scope :

• Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices
• Leads / participates in the identification, development and implementation of new initiatives, operating workflow, additional services / applications or operational efficiencies including potentially leading special project teams or cross functional work groups
• Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients
• Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
• Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis
• Effectively works cross-functionally with teams outside of risk
• Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date
• Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank
• Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups

Education & Experience :

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience required.
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages.
• Experience with the use of Relational Databases and understanding of different analytical / reporting tools, such as Python, SAS, R etc. preferred.
• Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.
• Strong analytical and problem-solving skills are required to interpret data and draw conclusions.
• Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific, or financial background
• Excellent written and verbal communication skills
• Experienced in developing and presenting recommendations to Senior Management

Preferred Qualifications :

• 3 years of work experience in Credit Cards / Lending Risk Analytics preferred.
• Understanding of Credit Cards business and P&L dynamics preferred.
• Hands on knowledge with Credit Cards key credit programs within Credit Cards Underwriting, Line assignment, Credit line Increase, Credit line Decrease etc. preferred.
• Understanding and application of credit scoring model in risk management decisions preferred.
• Statistics, Mathematics / Sciences, Econometrics, Engineering, Business administration or similar academic background with excellent written, verbal communication skills preferred
• Experienced in developing and presenting recommendations to Senior Management
• Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS

Physical Requirements :

Never : 0%; Occasional : 1-33%; Frequent : 34-66%; Continuous : 67-100%

• Domestic Travel Occasional
• International Travel Occasional
• Performing sedentary work Frequent
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Frequent
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting / Carrying (under 25 lbs.) Occasional
• Lifting / Carrying (over 25 lbs.) Occasional
• Squatting Occasional
• Bending Occasional
• Kneeling Occasional
• Crawling Never
• Climbing Never
• Reaching overhead Occasional
• Reaching forward Occasional
• Pushing Occasional
• Pulling Occasional
• Twisting Occasional
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading, writing and comprehending instructions Continuous
• Adding, subtracting, multiplying and dividing Frequent

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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 base salary and variable compensation / incentive awards (e.g., eligibility for cash and / or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.

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

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at .

Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.