Data Scientist II (Credit Risk and Product)

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

Job summary

TD Bank in Toronto, Ontario, is seeking a Data Scientist II to join the Analytics, Insights and Artificial Intelligence team within Canadian Personal Banking. The role focuses on optimizing credit card adjudication and pricing strategies using advanced analytics and ML techniques.

You will work with TD/MBNA cards and personal lending initiatives, requiring 2+ years in analytics, strong SQL and Python/PySpark skills, and clear communication to senior management.

Qualifications

• Graduate or undergraduate degree in quantitative discipline such as management analytics, statistics, mathematics, operations research, economics, computer science, or engineering
• 2+ years of experience performing advanced analytics or data science, ideally for credit lending products
• Experience in financial services industry with broad understanding of credit strategy, risk management, product management and analytics
• Highly skilled in coding SQL, and Python/PySpark
• Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders
• Strong analytical and problem-solving skills
• Attention to detail to produce high quality, timely deliverables
• Ability to prioritize competing requests in a deadline-driven environment
• Creative problem solver, self-starter, resourceful
• Machine Learning & AI: hands-on experience with ML techniques; familiarity with GenAI, LLMs and statistical inference

Responsibilities

• Develop credit strategies, including adjudication and account management for TD & MBNA Cards and Personal Lending products with data-driven risk/return analysis
• Support new credit strategy development with advanced analytics and data science
• Identify and manage credit risks related to Cards & Personal Lending Acquisition and Account Management
• Undertake and complete complex analytic projects requiring cross-functional collaboration
• Produce insights and recommend actions to support business strategy
• Identify opportunities and drive initiatives that provide financial value

Skills

Interpersonal communication

Presentation skills

Problem solving

Analytical thinking

Attention to detail

Deadline management

Self-starter

Team collaboration

Creative thinking

Education

Quantitative discipline degree

Tools

SQL

Python/PySpark

Job description

Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Analytics, Insights, & Artificial Intelligence

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.

Department Overview:

Within CPB (Canadian Personal Banking), the Analytics, Insights and Artificial Intelligence team supports the day-to-day activities of the CPB businesses by providing consultative support with data & analytics-based business insights and/or solutions to guide decision making and/or strategic planning. We work with business partners to address their analytics needs by providing end-to-end support of data, reporting, analytics, insights, and artificial intelligence solutions.

Job Description:

The Data Scientist II will report to the Senior Manager, Data Science for Cards Product & Credit Strategy Analytics. You will be part of a team that supports optimization of credit card adjudication strategies as well as all credit card product and pricing initiatives.

Key Accountabilities:

• Develop credit strategies, including, adjudication and account management for TD & MBNA Cards and Personal Lending products, ensuring adequacy of risk and return through comprehensive data analysis leveraging machine learning techniques.
• Support new credit strategy development with advanced analytics and data science.
• Identify and manage credit and other associated risks related to Cards & Personal Lending Acquisition and Account Management.
• Undertake and complete a variety of complex analytic projects and initiatives requiring specialist knowledge and/or integration of cross functional processes.
• Produce insights and recommend business actions to support business strategy and/or solve business problems.
• Identify and recommend opportunities and drive initiatives that provide financial value supporting the business strategy.

Required Qualifications:

• Graduate or undergraduate degree in quantitative discipline such as management analytics, statistics, mathematics, operations research, economics, computer science, or engineering
• 2+ years of experience performing advanced analytics or data science, ideally for credit lending products.
• Experience in financial services industry with broad understanding of credit strategy, risk management, product management and analytics.
• Highly skilled in coding SQL, and Python/PySpark.
• Strong interpersonal, communication and presentation skills, with the ability to create and articulate a compelling business case to senior management and other stakeholders.
• Strong analytical and problem-solving skills.
• A strong focus on attention to detail to produce high quality, accurate and timely deliverables to meet deadlines.
• Ability to prioritize competing requests / multiple tasks in a deadline driven environment.
• Creative problem solver, self-starter, resourceful in getting things done.
• Machine Learning & AI: Hands-on experience with machine learning techniques, including supervised and unsupervised learning, reinforcement learning, and causal inference. Familiarity with generative AI (GenAI), large language models (LLMs), and statistical inferencing

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits