Credit Risk Reporting Specialist

TD Bank; Ireland; Hybrid; EUR 70,000 - 110,000; Full time

Job summary

TD Securities is seeking a TDGF Credit Risk Reporting Specialist to support the TDGF Head of Credit and the TDGF CRO in managing credit risk reporting, analytics and data quality. This role requires strong technical capability, advanced analytical judgment, exceptional attention to detail, and the ability to translate complex data into clear insights for senior stakeholders.

A background and experience in credit risk reporting is also preferable.

Qualifications

• Strong technical capability and analytical judgment for credit risk reporting.
• Background in credit risk reporting is preferable.
• Attention to detail and ability to translate complex data into insights for senior stakeholders.

Responsibilities

• Lead preparation and review of credit risk reports, including variance analysis and key driver explanations.
• Develop and maintain analytical processes using SQL, Python, Power BI, and Excel to improve reporting accuracy and automation.
• Act as SME for credit risk reporting across TDGF, including exposure, limit, rating, and portfolio trend analysis.
• Lead or support risk initiatives across 2nd line credit reporting, including data enhancement and dashboard development.
• Perform data quality reviews, reconciliations, and root-cause analysis to identify issues and governance improvements.
• Respond to ad-hoc analytical requests with repeatable solutions and timely delivery.

Skills

SQL

Python

Power BI

Excel

AI-enabled solutions

Tools

Internal risk data systems

Excel-based reporting

Job description

Hybrid

Dublin, Ireland

Full time

R_

Work Location

Dublin, Ireland

Hours

35

Line of Business

Risk Management

Pay Details

We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description

Position Summary

_(Overview of key purpose and accountability of the role)_

The TDGF Credit Risk Reporting Specialist will support the TDGF Head of Credit and the TDGF CRO in the management of TDGF's Credit Risk reporting, analytics and data quality. This role requires strong technical capability, advanced analytical judgment, exceptional attention to detail, and the ability to translate complex data into clear insights for senior stakeholders. A background and experience in credit risk reporting is also preferable. The successful candidate will drive process improvements, strengthen reporting controls, and leverage tools such as SQL, Python, Power BI, Excel, and AI-enabled solutions to enhance efficiency, accuracy, and scalability. This is an excellent opportunity for a high performer to deepen technical expertise, lead analytical workstreams, and gain exposure to a wide range of business and risk management functions.

• Lead the preparation and review of credit risk reports, including monitoring internal policy limits, performing variance analysis, and explaining key drivers for management and senior stakeholder review
• Develop, enhance, and maintain analytical processes using technical tools such as SQL, Python, Power BI, Excel, and internal risk data systems to improve reporting accuracy, automation, and scalability
• Act as a subject matter expert for credit risk reporting and analytics across TDGF, including exposure, limit, rating, and portfolio trend analysis
• Lead or support TDGF risk initiatives across 2nd line credit reporting, including data enhancement, dashboard development, reporting transformation, regulatory considerations, and control improvements
• Perform data quality reviews, reconciliations, and root-cause analysis to identify anomalies, reporting issues, and opportunities to strengthen governance and controls
• Respond to complex ad-hoc analytical requests accurately and in a timely manner, including developing repeatable solutions where appropriate
• Build strong relationships across TDGF and TDBG (Enterprise) Risk Management, Finance, Capital/Treasury, Technology, Data, and business partners to deliver high-quality analytical outputs and resolve reporting issues
• Support the TDGF Head of Credit in the expansion of 2nd line Credit Risk reporting capabilities to support strategic growth and development of TD Securities' European business
• Responsible for the timeliness and accuracy of local credit risk reporting of credit exposures and credit risk management activities, providing ad-hoc bespoke reporting on specific sectors or portfolios when appropriate
• Provide analysis, interpretation and consolidation of credit risk reporting and outputs for submission to TDGF Senior Management and Committees, identifying opportunities for enhancements and automation where possible
• Review breaches of credit risk limits, ensuring any limit exceptions are escalated and actioned appropriately
• Monitor BCBS and European regulatory publications with regard to credit risk reporting and lead the related development and implementation of regulatory change for TDGF, including participation in enterprise-wide regulatory compliance programmes
• Support the TDGF Head of Credit in regulatory engagement, queries and remediation activities
• Support the TDGF Head of Credit in the management of concentration risk in TDGF including country risk, industry risk, and counterparty group exposure in the portfolios in accordance with policy, with particular regard to local legal entity capital management and related reporting considerations such as Connected Clients and Large Exposure management
• Provide oversight, monitoring, control and challenge of outsourced credit risk reporting activities
• Responsible for good conduct and for contributing to the identification and management of Conduct Risk within the Risk Management function

Risk Management Responsibilities

• Responsible for identifying and reporting Operational Risk Events in accordance with policy
• Responsible, along with all colleagues, to contribute in a positive way to TDGF's reputation and the management of Reputational Risk. Every employee is expected and required to follow ethical practices at all times, including compliance with applicable policies, legislation and regulations and support positive interactions with TDGF's stakeholders including clients, industry bodies, industry participants, public bodies, regulators and vendors
• Responsible for good conduct and for contributing to the identification and management of Conduct Risk within their team and function

Who We Are

TD Securities 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 investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, 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.

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

If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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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.

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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 ( law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.