Data Scientist - Credit Risk (ATH 5531)

TD Bank; Toronto; On-site; CAD 82,000 - 115,000; Full time

Job summary

TD Bank in Toronto is seeking a senior analytical professional to support Retail Risk Management Credit Cards & Personal Lending strategies. You will combine analytics, strategic thinking, and stakeholder collaboration to solve business problems, drive growth, and manage risk.

You’ll work cross-functionally with Product, Fraud, Technology, Operations, and Model Development to translate insights into actionable recommendations that influence executive decisions.

Qualifications

• Experience using data and analytics to solve business problems and influence strategic decisions.
• Ability to translate analysis into clear recommendations, not just findings.
• Strong SQL skills and experience working with large, complex data sets.
• Exposure to Python, Databricks, Azure, predictive models, machine learning, credit decisioning tools, or AI-enabled productivity tools is an asset.

Responsibilities

• Own a portfolio, strategy, or business problem area end-to-end. Become the trusted expert, understand where it's headed, and challenge how it's done today.
• Use data, analytics, and business insight to identify opportunities, improve credit strategies and customer outcomes, and answer not just 'what happened?', but 'so what?' and 'what should we do about it?'
• Design, implement, monitor, and optimize credit strategies that balance growth, customer experience, profitability, and risk appetite.
• Influence decisions, build stakeholder support, and drive alignment across Product, Model Development, Fraud, Technology, Operations, and senior leadership.
• Translate complex data into clear, compelling recommendations that drive action and influence executive decision-making.
• Monitor portfolio performance, identify emerging opportunities and risks, evaluate new models, tools, and capabilities, and recommend actions to improve credit decisioning and portfolio outcomes.
• Leverage modern analytics and AI-enabled tools to improve efficiency, accelerate insights, and support strategic decision-making.

Job description

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Risk Management

Pay Details:

$81,600 - $115,200 CAD

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.

Job Description:

Department Overview

The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic thinking, and stakeholder influence to balance growth, profitability, customer experience, and risk appetite. We don't stop at generating insights. We ask "So what?" and "Why should we care?", then turn those insights into actions that shape portfolio performance. Along the way, we leverage modern analytics and AI-enabled tools to improve productivity, accelerate insights, and focus on higher-value strategic decisions.

Job Description

Reporting to the Senior Manager, Credit Strategy, you'll support the MBNA and other credit card portfolios by combining analytics, strategic thinking, and stakeholder collaboration to solve business problems and drive meaningful outcomes. You'll work across Product, Fraud, Technology, Operations, and Model Development to drive business growth.

Around here, finding an insight is just the start. The real value comes from answering "So what?" and "Why should we care?", building support for an idea, and helping turn it into action.

Because finding an insight is interesting. Turning it into a business outcome is where the fun starts.

What You’ll Do

• Own a portfolio, strategy, or business problem area end-to-end. Become the trusted expert, understand where it's headed, and challenge how it's done today.
• Use data, analytics, and business insight to identify opportunities, improve credit strategies and customer outcomes, and answer not just "what happened?", but "so what?" and "what should we do about it?".
• Design, implement, monitor, and optimize credit strategies that balance growth, customer experience, profitability, and risk appetite.
• Influence decisions, build stakeholder support, and drive alignment across Product, Model Development, Fraud, Technology, Operations, and senior leadership.
• Challenge assumptions, ask tough questions, and provide effective challenge on portfolio performance, emerging risks, and strategic initiatives.
• Translate complex data into clear, compelling recommendations that drive action and influence executive decision‑making.
• Monitor portfolio performance, identify emerging opportunities and risks, evaluate new models, tools, and capabilities, and recommend actions to improve credit decisioning and portfolio outcomes.
• Leverage modern analytics and AI-enabled tools to improve efficiency, accelerate insights, and support strategic decision‑making.

What Makes Someone Successful in This Role

• You have an ownership mindset. You treat your portfolio like it's your business, not just your assignment, and take pride in making it stronger over time.
• You're naturally curious and aren't afraid to ask "why?" more than once.
• You enjoy connecting dots across data, business objectives, stakeholder perspectives, and customer outcomes.
• You're equally comfortable working with data, senior leaders, and skeptical stakeholders.
• You don't stop when you've found an interesting insight. You keep going until you've figured out what should happen next.
• You enjoy building relationships, influencing decisions, and bringing people together around a common goal.
• You can simplify complex analysis into a clear, compelling story that drives action and helps turn ideas into reality.

What You’ll Bring

Technical & Analytical Skills

• Experience using data and analytics to solve business problems and influence strategic decisions.
• Ability to translate analysis into clear recommendations, not just findings.
• Strong SQL skills and experience working with large, complex data sets.
• Exposure to Python, Databricks, Azure, predictive models, machine learning, credit decisioning tools, or AI-enabled productivity tools is an asset.
• Strong attention to detail and a healthy skepticism of results that seem "too good to be true".

Business & Risk Acumen

• Experience in Credit Risk, Retail Banking, Financial Services, or a related analytical field.
• Understanding of consumer lending, credit decisioning, portfolio management, or risk strategies is an asset.
• Ability to b