Senior Credit Risk Analyst (ATH 5293)

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

Job summary

TD Bank Group in Toronto, Canada is seeking a risk management professional to drive risk strategy and loss-reduction outcomes across retail lending portfolios, including credit cards, auto finance and real estate secured products.

You will analyze trends with Databricks/Python, build data visualizations in Power BI, and develop verification processes to reduce losses while communicating insights to executive stakeholders.

Qualifications

• 5+ years Databricks/Python experience with Relational Databases.
• Experience with AI-assisted development tools to optimize code.
• Strong verbal/written communication and presentation skills.
• Ability to work in a fast-paced environment with multiple deadlines.
• Knowledge of Customer Assistance (Collections/Recovery) business.

Responsibilities

• Own and improve Customer Assistance risk strategies.
• Develop verification processes for risk collection strategies.
• Create Quality Control measures for data mining and strategies.
• Develop understanding of Customer Assistance processes and data sources.
• Develop viewpoints from deep-dive analysis to reduce losses.
• Identify risk mitigation opportunities to optimize strategies.
• Lead initiatives with minimal supervision and present to executives.
• Develop engaging data visualizations using Power BI.

Skills

Databricks

Python

Relational Databases

Power BI

AI-assisted development

Communication skills

Analytical thinking

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

A high-visibility opportunity for a risk management professional to drive risk strategy and loss-reduction outcomes. This role offers the unique opportunity to analyze trends in the retail collections business and develop new strategies insights to drive business performance. This includes the identification of business and industry related trends and loss avoidance opportunities across the full suite of retail lending portfolios including credit cards, auto finance, personal lending, small business banking, and real estate secured products. Through regular analysis of key risk indicator trends and the development of new metrics, this role is critical in reducing losses for the bank.

Key Accountabilities

• Ownership, creation, and continuous improvement of the Customer Assistance Risk strategies and oversights.
• Develop and build verification process of risk collection strategies as per guidelines.
• Create and adhere to Quality Control measures as they pertain to data mining and strategies creation.
• Develop a deep understanding of Customer Assistance processes, procedures, strategies, and data sources.
• Develop points of view through deep-dive analysis to help minimize losses and increase recoveries.
• Identify risk mitigation opportunities to optimize existing strategies.

Job Requirements

• 5+ years Databricks/Python experience with the use of Relational Databases.
• Experience leveraging AI-assisted development tools to optimize code performance and processing efficiency.
• Very strong verbal, written, presentation & communication skills.
• Strong organizational skills, with the ability to work in a fast-paced environment and manage multiple deadlines and priorities.
• Highly developed critical thinking, analytical and problem-solving skills Existing knowledge of Customer Assistance (Collections and Recovery) business and procedures.
• Flexibility to adapt to rapidly changing requirements.
• Demonstrated ability to convert data into actionable recommendations.
• Can test and prove that data presented is accurate.
• Demonstrated ability to lead an initiative with little supervision.
• Self-motivated team player with high energy and thinks outside the box.
• Experience developing engaging data visualizations using Power BI.
• Experience developing and presenting recommendations to an executive audience

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.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

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.

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. Learn more

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 US Labor & Employment Posters | California Privacy | Accessibility | FAQ

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. Learn more: Canada | US | Europe & Asia Pacific