Senior Manager of Credit Risk Analysis

1 week ago

Wilmington, Delaware, United States TD Bank Group Full time
Work Location:
United States of America

Hours:
40

Pay Details:
$110,760 - $178,880 USD

TD is dedicated to ensuring equitable compensation for all employees. The salary range provided reflects various factors influencing compensation decisions, including candidate skills, experience, job-related knowledge, and geographic location. It is common for new hires to start below the top of the salary range.

As a candidate, you are encouraged to discuss compensation openly with your recruiter for specific details regarding this role.

Line of Business:
Risk Management
Job Overview:

The Senior Manager of Credit Risk is tasked with the design, development, implementation, and validation of diverse strategies related to First Party Fraud and Credit Abuse. These strategies encompass adjudication, account management, collection treatments, and financial return optimization. This position is critical in providing essential insights, detailed analyses, and supporting the execution of key fraud strategies to ensure compliance with TD's risk appetite framework and regulatory standards. This role is part of the CCUL Credit Management team and focuses on Consumer Unsecured Lending and Strategic Card portfolios. The incumbent will develop strategies utilizing both internal TD data and external credit bureau solutions, conducting cohort time series analyses of fraud, Risk Adjusted Margin, ROE, and other metrics to minimize false positives and enhance fraud performance indicators. Regular reviews of fraud attacks and emerging threats will be necessary to identify and address gaps in strategies, policies, and procedures. The role requires strong interpersonal skills due to extensive cross-functional collaboration.

Responsibilities:
  • Perform functions as outlined for Risk Manager I
  • Serve as an expert at the enterprise or group business level
  • Act as the primary regulatory liaison on risk issues for a key business segment
  • Collaborate with teams beyond risk in a cross-functional capacity
  • Represent the business in corporate initiatives, identifying key risks and implications
Qualifications:
  • Bachelor's degree required; Graduate degree preferred or equivalent experience
  • 10+ years of relevant experience required
  • Experience in First Party Fraud or credit risk management in the financial services sector preferred
  • Knowledge of payment risk and fraud lifecycle management is desired
  • Proficient in MS Office and various analytical/reporting software
  • Experience with Relational Databases and ETL processes using SQL or SAS
  • Extensive experience with analytical tools such as SAS, SQL, Python, R, MATLAB, Tableau preferred
  • Familiarity with SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker
  • Exceptional quantitative and analytical skills to identify patterns and insights
  • Strong analytical and problem-solving abilities to interpret data effectively
  • Critical thinking skills for interpreting results
  • Ability to adapt to rapidly changing requirements
  • Strong attention to detail with the ability to manage multiple tasks
  • Proven ability to build and maintain productive relationships
  • Excellent written and verbal communication skills
  • Experience in presenting recommendations to Senior Management
Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
  • Domestic Travel - Occasional
  • International Travel - Never
  • Sedentary work - Continuous
  • Performing multiple tasks - Continuous
  • Operating standard office equipment - Continuous
  • Responding quickly to sounds - Occasional
  • Sitting - Continuous
  • Standing - Occasional
  • Walking - Occasional
  • Moving safely in confined spaces - Occasional
  • Lifting/Carrying (under 25 lbs.) - Occasional
  • Lifting/Carrying (over 25 lbs.) - Never
  • Squatting - Occasional
  • Bending - Occasional
  • Kneeling - Never
  • Crawling - Never
  • Climbing - Never
  • Reaching overhead - Never
  • Reaching forward - Occasional
  • Pushing - Never
  • Pulling - Never
  • Twisting - Never
  • Concentrating for long periods - Continuous
  • Applying common sense to standardized problems - Continuous
  • Reading, writing, and comprehending instructions - Continuous
  • Basic arithmetic operations - Continuous
The above statements describe the general nature and level of work performed by individuals in this role. They are not intended to be an exhaustive list of all responsibilities and skills required.

About TD:
TD is a leading global financial institution and the fifth largest bank in North America by branches. We deliver exceptional customer experiences to millions of households and businesses across Canada, the United States, and globally. With over 95,000 colleagues, we are committed to enriching the lives of our customers, communities, and employees.

TD is focused on customer experience, believing that all employees contribute to this goal. As we innovate and enhance our services, we are dedicated to supporting our colleagues' growth and career development.

Our Total Rewards Package:
Our Total Rewards package reflects our investment in our colleagues' financial, physical, and mental well-being. It includes base salary, variable compensation, health benefits, retirement programs, paid time off, and career development opportunities.

Colleague Development:
We support our colleagues in achieving their career goals through regular development conversations, training programs, and mentorship opportunities.

Training & Onboarding:
We provide comprehensive training and onboarding to ensure success in your new role.

Interview Process:
We communicate with candidates of interest to schedule interviews and provide feedback to all applicants.

Accommodation:
If you require accommodations during the application process, please reach out for assistance.

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

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