Risk Manager I (US)

TD Bank Group; Wilmington (DE); On-site; USD 120,000 - 139,000; Full time

Job summary

TD Bank Group is seeking a Risk Manager I in Wilmington, DE to lead risk segmentation initiatives and provide comprehensive analyses that inform credit decisions. This role requires strong Excel and analytics skills, with experience using SQL/SAS and data visualization tools.

You will collaborate across departments, support regulatory inquiries, and drive risk governance. The position emphasizes governance, cross-functional leadership, and the development of risk strategies aligned with TD

Qualifications

• Bachelor's degree required; graduate degree preferred.
• 5+ years' experience in risk management.
• Strong Excel, PowerPoint, SQL/SAS experience.
• Experience with data modeling, analytics, and reporting tools.

Responsibilities

• Leads/participates in development and implementation of risk segmentation strategies.
• Produces reports using quantitative methods and MIS to improve efficiency and revenue while managing credit risk.
• Collaborates cross-functionally with risk, audit, and regulators to ensure documentation and governance.
• Communicates issues to Senior Management and supports ad-hoc analytical requests.

Skills

Analytical thinking

Communication skills

Problem solving

Attention to detail

Education

Bachelor's degree

Graduate degree preferred

Tools

Excel

PowerPoint

SQL

SAS

Tableau

Python

Job description

page for more information.**Work Location:**Wilmington, Delaware, United States of America**Hours:**40**Pay Details:**$120,000 - $139,360 USDTD 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.**Line of Business:**Risk Management**Job Description:**The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools.**Depth & Scope:*** Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices* Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups* Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients* Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management* Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis* Effectively works cross-functionally with teams outside of risk* Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date* Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank* Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups**Education & Experience:*** Bachelor's degree required; Graduate degree preferred* 5+ years' experience required* Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages* Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS* Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.* Strong analytical and problem solving skills are required to interpret data and draw conclusions* Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background* Excellent written and verbal communication skills* Experienced in developing and presenting recommendations to Senior Management**Preferred Qualifications:*** 5+ years of experience supporting credit risk management, credit strategy, underwriting, portfolio management, or risk analytics for unsecured lending products (credit cards, personal loans).* Strong analytical and problem-solving skills with demonstrated experience translating business problems into data-driven solutions and actionable recommendations.* Proficiency in SQL and experience with SAS and/or Python for data extraction, analysis, model development, and strategy monitoring.* Experience with data visualization and reporting tools such as Tableau, Power BI, or similar platforms.* Working knowledge of credit risk concepts including customer segmentation, risk-based decisioning, scorecards, champion-challenger testing, portfolio monitoring, and strategy performance measurement.* Familiarity with statistical techniques such as regression, hypothesis testing, predictive modeling, machine learning, and time series analysis.* Experience working with large datasets and enterprise data environments.* Knowledge of credit bureau data (Equifax, Experian, TransUnion), risk scores, and customer behavior analytics is preferred.* Exposure to data science and analytics platforms such as SAS Enterprise Miner, Angoss Knowledge Seeker, Python ML libraries (Scikit-learn), Databricks, or similar tools.* Strong communication skills with the ability to present analytical findings and recommendations to business and risk stakeholders.**Physical Requirements:**Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%* Domestic Travel - Occasional* International Travel - Occasional* Performing sedentary work - Frequent* Performing multiple tasks - Continuous* Operating standard office equipment - Continuous* Responding quickly to sounds - Frequent* Sitting - Continuous* Standing - Occasional* Walking - Occasional* Moving safely in confined spaces - Occasional* Lifting/Carrying (under 25 lbs.) - Occasional* Lifting/Carrying (over 25 lbs.) - Occasional* Squatting - Occasional* Bending - Occasional* Kneeling - Occasional* Crawling - Never* Climbing - Never* Reaching overhead - Occasional* Reaching forward - Occasional* Pushing - Occasional* Pulling -Occasional* Twisting - Occasional* Concentrating for long periods of time - Continuous* Applying common sense to deal with problems involving standardized situations - Continuous* Reading, writing and comprehending instructions - Continuous* Adding, subtracting, multiplying and dividing - FrequentThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.**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