Credit Risk Manager I

3 weeks ago

Wilmington, United States TD Bank Full time

**Work Location**:
Wilmington, Delaware

**Hours**:
40

**Pay Details**:
$86,840 - $139,360 USD

**Line of Business**:
Risk Management

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. This role will be driving the acquisition credit strategies including underwriting, line assignment and targeting for US bankcard portfolio supporting the growth under risk reward framework.

**Depth & Scope**:

- Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices
- 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
- Experience with various analytical tools such SAS, Python, R, Knowledge Seeker preferred
- 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

**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

  • Credit Risk Specialist

    2 weeks ago

    Wilmington, United States Wells Fargo Full time

    **About this role**: **In this role, you will**: - Create, maintain and champion an environment where there is a high degree of transparency - Demonstrate a strong understanding of risk management and methodology for identification and controls across all risk types - Demonstrate excellent verbal, written, and interpersonal communication skills -...

  • Credit Review Sr. Examiner

    1 week ago

    Wilmington, United States Bank of America Full time

    Description : Through examinations and monitoring, Credit Review provides an independent assessment of credit decisions and the effectiveness of credit processes across the bank’s credit platform, identifies existing and emerging risks, and reports its findings to various stakeholders, including executive management, the Board of Directors or...

  • IT Risk Manager

    3 days ago

    Wilmington, United States Best Egg Full time

    **Best Egg** is the leading financial confidence platform that provides flexible solutions to real-life challenges for people with limited savings. We leverage real-time customer insights and data science to connect more people with the right products for their financial needs. Our offers include a growing suite of products such as personal loans, a credit...

  • Senior Lead Credit Risk Officer

    4 weeks ago

    WILMINGTON, United States Wells Fargo & Company Full time

    Manage Small Business Card Capabilities Roadmap and prioritize initiatives to enable credit risk strategies across the lifecycle. Drive prioritization discussions through collaboration with stakeholders, leveraging knowledge of systems, architecture, Risk Officer, Risk, Lead, Officer, Lending, Credit, Banking, Business Services

  • Senior Lead Credit Risk Officer

    3 weeks ago

    Wilmington, United States Wells Fargo Full time

    About this role: Wells Fargo Personal Lending CRO Loss Forecasting and Analytics group is seeking an experienced Senior Lead Credit Risk Officer to lead Risk Appetite Analytics. Qualified candidates must have excellent communication skills, high degree of initiative, strong partnering and interpersonal skills, solid project/process management skills, as...

  • Risk Management

    1 month ago

    Wilmington, United States JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company,...

  • Assistant Manager-Credit

    2 weeks ago

    Wilmington, United States RAC Full time

    Rent A Center Ready to do your best work? Interested in a starting hourly rate up to $17? Why should I apply in just a few clicks? Paid Time Off and Sundays Off -- We are Closed! Full-Time Employment and a Consistent Schedule Weekly Pay (companywide) Assistant Manager, Manager, Customer Experience, Credit, Customer Service, Assistant, Management, Retail

  • Manager - Credit Accounting

    5 days ago

    Wilmington, United States Capital One Financial Corp Full time

    West Creek 3 (12073), United States of America, Richmond, Virginia Manager - Credit Accounting Capital One is seeking a highly motivated professional to join the Controllers Accounting Department as a Manager supporting the Credit Accounting function. This role leads our internal and external reporting and analysis of the Allowance for Credit Losses (ACL)...

  • Manager, Credit Pricing Analytics

    3 days ago

    Wilmington, United States OneMain Financial Full time

    **Manager, Credit Pricing Analytics** **Location: Wilmington, DE (Hybrid)** We are currently seeking a Manager, Credit Pricing Analytics to lead the delivery of great products to our customers. This role will have the exciting opportunity to drive significant business results by leading a team and contributing to the innovation, creation, and launch of...

  • Risk Management

    2 months ago

    Wilmington, United States JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company,...

  • Manager, Credit Pricing Analytics

    3 weeks ago

    Wilmington, United States OneMain Financial Full time

    Manager, Credit Pricing Analytics Location: Wilmington, DE (Hybrid) We are currently seeking a Manager, Credit Pricing Analytics to lead the delivery of great products to our customers. This role will have the exciting opportunity to drive significant business results by leading a team and contributing to the innovation, creation, and launch of value-adding...

  • Manager, Credit Pricing Analytics

    2 weeks ago

    Wilmington, United States OneMain Financial Full time

    **Manager, Credit Pricing Analytics** **Location: Wilmington, DE (Hybrid)** We are currently seeking a Manager, Credit Pricing Analytics to lead the delivery of great products to our customers. This role will have the exciting opportunity to drive significant business results by leading a team and contributing to the innovation, creation, and launch of...

  • Risk Management

    2 weeks ago

    Wilmington, United States JPMorgan Chase Full time

    Job Summary:Bring your expertise to JPMorgan Chase. As an Associate in the Card Services Risk group within JPMorgan Chase, you are at the center of keeping our firm strong and resilient. You will help us grow our business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact...

  • Risk Management

    1 week ago

    Wilmington, United States JPMorgan Chase Full time

    Job Summary:Bring your expertise to JPMorgan Chase. As an Associate in the Card Services Risk group within JPMorgan Chase, you are at the center of keeping our firm strong and resilient. You will help us grow our business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact...

  • Credit Data Analytics Lead

    3 weeks ago

    Wilmington, United States Barclays Full time

    **Credit Data Analytics Lead** **Wilmington, DE** As a Barclays Credit Data Analytics Lead, you will be building the existing customer market credit strategies from scratch within the risk appetite and Risk reward framework. You will also be responsible for seeking approval from the Risk Independent validation unit and legal/ compliance and fair lending...

  • Credit Data Analytics Lead

    4 weeks ago

    Wilmington, United States Barclays Full time

    Credit Data Analytics Lead Wilmington, DE As a Barclays Credit Data Analytics Lead, you will be building the existing customer market credit strategies from scratch within the risk appetite and Risk reward framework. You will also be responsible for seeking approval from the Risk Independent validation unit and legal/ compliance and fair lending teams. The...

  • Risk Management

    4 weeks ago

    Wilmington, United States JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company,...

  • Fraud Execution Manager- Credit Cards

    3 weeks ago

    Wilmington, United States OneMain Financial Full time

    OneMain Financial Fraud Execution Manager- Credit Cards Wilmington , Delaware Apply Now The Cards Execution Manager is accountable of Third-Party vendor management, primarily monitoring and evaluating key risk disciplines such as performance, controls, and customer experience. Reporting to the VP/Director Cards Services the Cards Execution Manager partner...

  • Assistant Manager-Credit

    3 weeks ago

    Wilmington, United States Rent-A-Center Full time

    Rent A Center Ready to do your best work? Interested in a starting hourly rate up to $17? Why should I apply in just a few clicks? * Paid Time Off and Sundays Off -- We are Closed! * Full-Time Employment and a Consistent Schedule * Weekly Pay (companywide) * Award Winning Culture with the Opportunity to Advance * Bonus potential for Assistant Managers...

  • Assistant Manager-Credit

    3 weeks ago

    Wilmington, United States Rent-A-Center Inc. Full time

    Rent A Center Ready to do your best work? Interested in a starting hourly rate up to $17? Why should I apply in just a few clicks? * Paid Time Off and Sundays Off -- We are Closed! * Full-Time Employment and a Consistent Schedule * Weekly Pay (companywide) * Award Winning Culture with the Opportunity to Advance * Bonus potential for Assistant Managers...