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Credit Risk Strategist I
2 months ago
Work Location:
United States of America
Hours:
40
Compensation Details:
$86,840 - $139,360 USD
TD is dedicated to ensuring fair and equitable compensation opportunities for all team members. The provided salary range for this position considers various factors that influence compensation decisions.
The actual base pay offered may differ based on the candidate's skills and experience, job-related knowledge, certifications, geographic location, and other specific business needs.
As TD prioritizes career development, it is uncommon for an individual to be hired at or near the top of the salary range for their position.
As a candidate, you are encouraged to engage in discussions regarding compensation and have an open dialogue with your recruiter who can provide more specific information about this role.
Department:
Risk Management
Position Overview:
The Credit Risk Strategist I is responsible for the formulation, execution, and validation of diverse risk segmentation strategies, including but not limited to: adjudication, account oversight, exposure management, risk categorization, and financial return enhancement.
This role provides essential insights, interpretative analysis, and deploys strategic credit risk methodologies that ensure decisions align with TD's risk appetite and comply with all regulatory requirements.
The primary responsibility of the Credit Risk Strategist I is to deliver a comprehensive and varied range of risk management expertise.The Credit Risk Strategist I examines, develops, implements, and validates various risk segmentation strategies and policies utilizing complex data, advanced analytical techniques, and business intelligence tools.
This position will lead the acquisition credit strategies encompassing underwriting, line assignment, and targeting for the US bankcard portfolio, supporting growth within a risk-reward framework.
Scope of Responsibilities:
Exhibits governance, control, and risk management practices in accordance with TD policies and procedures.
Leads or participates in the identification, development, and execution of new initiatives, operational workflows, additional services/applications, or efficiency improvements, potentially leading special project teams or cross-functional workgroups.
Assists in enhancing credit risk assessment capabilities to identify and sustain valuable business opportunities with both new and existing clients.
Conducts detailed analyses and interprets data to provide recommendations to Senior Management on critical strategies, including non-standard and ad-hoc requests as determined by management.
Generates reports on the outcomes of implemented strategies, employing all relevant quantitative methods and Management Information Systems (MIS), and makes recommendations to enhance efficiencies and revenue while managing credit risk, producing these reports regularly.
Collaborates effectively with teams outside of the risk department.
Works with Internal Audit and External Regulators to ensure that documentation for all work processes is comprehensive and current.
Ensures sound credit control by adopting a proactive approach to risk management within the bank's risk guidelines.
Facilitates timely communication of pertinent issues to the team and fosters positive relationships with other internal and external groups.
Qualifications:
Bachelor's degree required; Graduate degree preferred.
5+ years of relevant experience required.
Familiarity with various analytical tools such as SAS, Python, R, and Knowledge Seeker preferred.
Proficient in PC skills, particularly in MS Excel and PowerPoint, along with a variety of analytical and reporting software.
Experience with Relational Databases and the Extract Transform Load (ETL) process using common languages such as SQL or SAS.
Knowledge of various analytical or reporting tools, including SAS, R, Matlab, Tableau, etc.
Strong analytical and problem-solving abilities are essential for interpreting data and drawing conclusions.
Experience in data modeling and risk management 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.
About TD:
TD is among the world's leading global financial institutions and ranks as the fifth largest bank in North America by branches/stores.
Every day, we deliver exceptional customer experiences to over 27 million households and businesses across Canada, the United States, and globally.
More than 95,000 TD colleagues contribute their skills, talent, and creativity to the Bank, the clients 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, which is why we believe that all colleagues, regardless of their role, are customer-facing.
As we expand our business and execute our strategy, we are innovating to enhance customer experiences and build capabilities that will shape the future of banking.
Whether you have extensive banking experience or are just beginning your career in financial services, we can help you realize your potential.
Through regular leadership and development conversations, mentorship, and training programs, we are here to support you in achieving your goals. As an organization, we continue to grow – 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) along with 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 recognition programs.
Learn more about our offerings.Additional Information:
We are pleased that you are considering a career with TD.
Through regular development conversations, training programs, and a competitive benefits plan, we are committed to providing the support our colleagues need to thrive both professionally and personally.
Colleague Development
If you are interested in a specific career path or wish to develop certain skills, we are eager to assist you in your success.
You will have regular career, development, and performance discussions with your manager, as well as access to an online learning platform and various mentoring programs to help you unlock future opportunities.
Whether you are passionate about assisting customers and want to broaden your experience, or you aspire to coach and inspire your colleagues, there are numerous career paths within our organization at TD – and we are dedicated to helping you identify opportunities that align with your goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you have everything you need to excel in your new role.
We will reach out to candidates of interest to schedule an interview. We strive to communicate outcomes to all applicants via email or phone call.
Accommodation
If you are an applicant with a disability and require accommodations to complete the application process, please reach out to the TD Bank US Workplace Accommodations Program.
Include your full name, preferred contact method, 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.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability, and genetic information.
