Data Scientist II (Credit Risk and Product)

The Toronto-Dominion Bank (Canada); Toronto; On-site; CAD 82,000 - 115,000; Full time

Job summary

The Toronto-Dominion Bank (TD) invites applications for a data analytics role within CPB's Analytics, Insights and AI team in Toronto. You will develop credit strategies for TD & MBNA Cards and Personal Lending, using advanced analytics and machine learning to assess risk and optimize returns.

Qualifications include a quantitative degree, 2+ years in analytics or data science, and strong SQL and Python/PySpark skills.

Qualifications

• Degree in quantitative discipline such as statistics, math, economics, CS, or engineering.
• 2+ years of experience in advanced analytics or data science, preferably for credit lending products.
• Experience in financial services with understanding of credit strategy, risk, product analytics.
• Strong SQL and Python/PySpark skills.
• Excellent communication and ability to present to senior stakeholders.
• Strong analytical and problem-solving skills.

Responsibilities

• Develop credit strategies including adjudication and account management for cards and lending products.
• Support new credit strategy development with advanced analytics and data science.
• Identify and manage credit risks related to cards and lending.
• Carry out complex analytics projects requiring cross-functional collaboration.
• Produce insights and recommend actions to support business strategy.
• Drive initiatives that create financial value for the business.

Skills

SQL

Python/PySpark

Data analytics

Communication

Education

Bachelor's or higher in quantitative field

Tools

PySpark

Spark SQL

Job description

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 organization 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.

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 and discounts, career development, and reward and recognition programs.

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

Language Requirement (Quebec only)

Sans Objet

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

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