Risk Manager I- Card Analytics

Work Location

:

Wilmington, Delaware, United States of America

Hours:

40

Line of Business:

Risk Management

Pay Detail:

$86,840 - $139,360 USD

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.



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 the process of Extract Transform Load (ETL) using common languages such as SQL or SAS

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

Understanding of Credit Cards business and P&L dynamics

Hands on knowledge with Credit Cards key credit programs within Credit Cards - Underwriting, Line assignment, Credit line Increase, Credit line Decrease etc.

Understanding and application of credit scoring model in risk management decisions

Statistics, Mathematics/ Sciences, Econometrics, Engineering, Business administration or similar academic background with excellent written, verbal communication skills



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 Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc. , offering our clients access to a premier U. S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investme.