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Senior Manager of Credit Risk Strategies
2 months ago
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 for this position reflects various factors considered in compensation decisions, including skills, experience, job-related knowledge, and geographic location. Candidates are encouraged to discuss compensation details with their recruiter.
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 addressing First Party Fraud and Credit Abuse. These strategies encompass adjudication, account management, collection approaches, and financial return optimization. This role is crucial in providing insights, detailed analyses, and supporting the execution of key fraud strategies to ensure alignment with TD's risk appetite, adherence to fraud standards, and compliance with regulatory guidelines. This position operates within the CCUL Credit Management framework and is accountable for Consumer Unsecured Lending and Strategic Card portfolios. The incumbent will develop strategies leveraging both internal TD data and external credit bureau/vendor solutions. Responsibilities include conducting cohort time series analyses of fraud, Risk Adjusted Margin, ROE, and other metrics to minimize false positives and enhance key fraud performance indicators. The role also involves reviewing emerging fraud threats to identify and address coverage gaps in strategies, policies, and procedures. Strong interpersonal skills are essential for effective cross-functional collaboration.
Key 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 significant business segment.
- Collaborate with teams beyond risk in a cross-functional capacity.
- Represent the business in corporate initiatives, identifying key risks and implications.
- Bachelor's degree required; Graduate degree preferred or equivalent progressive experience.
- 10+ years of relevant experience required.
- Experience in First Party Fraud or credit risk management in the credit card sector is preferred.
- Understanding 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 is preferred.
- Working knowledge of SAS Enterprise Miner, FICO Model Builder, or Angoss Knowledge Seeker.
- Exceptional quantitative and analytical skills, with the ability to identify patterns and conduct risk/reward analyses.
- Strong analytical and problem-solving skills are necessary for data interpretation.
- Critical thinking skills preferred for result interpretation.
- Flexibility to adapt to rapidly changing requirements.
- Strong attention to detail with the ability to manage multiple tasks.
- Proven ability to cultivate productive business relationships.
- Excellent written and verbal communication skills.
- Experience in developing and presenting recommendations to Senior Management.
Domestic Travel - Occasional
Performing sedentary work - Continuous
Performing multiple tasks - Continuous
Operating standard office equipment - Continuous
Concentrating for long periods - Continuous
Reading, writing, and comprehending instructions - Continuous
The above statements are intended to describe the general nature and level of work performed by individuals in this role. They are not exhaustive lists of all responsibilities and skills required.
About TD Bank Group:
TD is a leading global financial institution and the fifth largest bank in North America by branches. We are committed to delivering exceptional customer experiences to millions of households and businesses. With over 95,000 colleagues, we strive to enrich the lives of our customers, communities, and colleagues.
Our Commitment to Colleagues:
TD is committed to supporting our colleagues' career development through mentorship, training programs, and regular performance conversations. We believe in providing opportunities for growth and success within our organization.
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 more.
Colleague Development:
We are dedicated to helping our colleagues succeed in their career paths and skill development. Regular conversations with management and access to learning platforms are part of our commitment to growth.
