Data Scientist II — Credit Strategy & Cards Analytics

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

Job summary

TD in Toronto, ON, is seeking a Data Scientist II to join the Analytics, Insights and AI team. You will help optimize credit card adjudication strategies and support pricing initiatives through advanced analytics and ML.

The role reports to the Senior Manager, Data Science for Cards Product & Credit Strategy Analytics, and involves delivering data-driven insights to guide strategic decisions within Canada’s TD CPB unit.

Qualifications

• Degree in a quantitative field (e.g., statistics, mathematics, econ, CS, eng).
• 2+ years performing advanced analytics or data science in financial services (credit/loans).
• Strong coding skills in SQL and Python/PySpark.

Responsibilities

• Develop credit strategies and adjudication for TD & MBNA Cards and Personal Lending products.
• Support new credit strategy development with advanced analytics.
• Identify and manage credit risks related to Cards & Personal Lending acquisition and management.
• Undertake complex analytics projects requiring cross-functional collaboration.
• Produce insights and recommend actions to support business strategy.

Skills

Analytical thinking

Communication

Problem solving

Attention to detail

Prioritization

Self-motivation

Creativity

Machine Learning & AI

GenAI/LLMs familiarity

Education

Bachelor's degree in a quantitative discipline

Tools

SQL

Python/PySpark

Job description

TD in Toronto, ON, is seeking a Data Scientist II to join the Analytics, Insights and AI team. You will help optimize credit card adjudication strategies and support pricing initiatives through advanced analytics and ML.

The role reports to the Senior Manager, Data Science for Cards Product & Credit Strategy Analytics, and involves delivering data-driven insights to guide strategic decisions within Canada’s TD CPB unit.