Credit Risk Modeling Lead - ML & Scorecards

TD Bank Group; Southfield (MI); On-site; USD 115,000 - 173,000; Full time

Job summary

TD Bank Group in Southfield, Michigan seeks a Risk Manager II to lead the creation, validation, and deployment of advanced risk segmentation models. The role emphasizes statistical methods, machine learning, and scorecard development to improve credit decisions and portfolio performance.

You will integrate diverse data, work with SAS, R, and Python, and collaborate with stakeholders across risk and analytics.

Qualifications

• Bachelor's degree in a relevant field is required; a graduate degree is preferred.
• 10+ years of experience in analytics, risk management, or related fields.
• Proficiency with relational databases and ETL processes using SQL or SAS.

Responsibilities

• Integrate large, diverse datasets and apply feature engineering.
• Develop and enhance credit scorecards and models across the life cycle.
• Coordinate model deployment across FICO Decision Engine, Python, and related platforms.
• Partner with stakeholders to support model risk management due diligence.
• Leverage statistical models and vendor data to improve acquisition and portfolio performance.
• Communicate findings to the management team and support decision making.

Skills

statistical modeling

logistic regression

decision trees

survival analysis

GLM

gradient boosting

scorecard development

PD/LGD

machine learning

feature engineering

Education

Bachelor's degree

Graduate degree

Tools

SAS

R

Python

Job description

TD Bank Group in Southfield, Michigan seeks a Risk Manager II to lead the creation, validation, and deployment of advanced risk segmentation models. The role emphasizes statistical methods, machine learning, and scorecard development to improve credit decisions and portfolio performance.

You will integrate diverse data, work with SAS, R, and Python, and collaborate with stakeholders across risk and analytics.