Risk Manager I (US)

TD Bank Group; Wilmington, Northern (DE, KY); Hybrid; USD 120,000 - 139,000; Full time

Benefits offered by this job

Health and well‑being benefits

Savings and retirement programs

Paid time off

Job summary

TD Bank Group in Wilmington, Delaware is hiring a Risk Manager I to lead risk segmentation strategies and optimize credit risk decisions. The role emphasizes analysis, reporting, and cross‑functional collaboration with senior management.

Requirements include a Bachelor’s degree and 5+ years of experience, with strong MS Excel, SQL/SAS and BI tool skills. A Master’s degree or CFA is a plus; remote work is not indicated.

Qualifications

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience required.
• Proficient in MS Excel and PowerPoint; strong analytics and reporting skills.
• Experience with Relational Databases and ETL using SQL or SAS.
• Familiar with SAS, R, Matlab, Tableau, and related tools.

Responsibilities

• Manage creation, implementation and validation of risk segmentation strategies.
• Perform detailed analysis and provide recommendations to Senior Management.
• Develop and maintain reports and dashboards using MIS tools.
• Collaborate cross-functionally with teams and Internal Audit/ Regulators.
• Ensure risk management adheres to bank policies and regulatory guidelines.

Skills

MS Excel

PowerPoint

Relational Databases

ETL (SQL or SAS)

SAS

R

Tableau

Education

Bachelor's degree

Graduate degree

Master's Degree

MBA or CFA

Tools

SQL

SAS

Python

Tableau

Matlab

Job description

Work Location: Wilmington, Delaware, États-Unis d'Amérique Hours: 40 Pay Details: $120,000 - $139,360 USD 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.

Line of Business

Gestion des risques

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

• Master's Degree, MBA or CFA in relevant fields.
• Experience managing credit risk program for unsecured lending portfolio.
• Demonstrated analytical and problem‑solving skills across conceptualization and execution of analytics oriented projects.
• SQL, SAS, Python and Tableau experience.
• Familiar with various statistical concepts and data science tools including Enterprise Miner, Angoss Knowledge Seeker.

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 – Frequent.

The 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

• Base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan).
• Health and well-being benefits.
• Savings and retirement programs.
• Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO).
• Banking benefits and discounts.
• Career development.
• Reward and recognition.

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.

Colleague Development

If you’re interested in a specific career path or is 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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

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Nos valeurs

À la TD, nous avons pour objectif d’enrichir la vie de nos clients, de nos collectivités et de nos collègues, et nous avons en commun un ensemble de valeurs qui façonnent notre culture et guident nos comportements. En échange de l’engagement quotidien de nos collègues à aider la TD à réussir, nous nous engageons à leur offrir une expérience de travail qui repose sur l’impact, la croissance et la culture de bienveillance. Peu importe où vous travaillez à la TD, nous vous donnons les outils nécessaires pour faire changer les choses au travail et dans votre collectivité, explorer et faire progresser votre carrière et faire partie de notre culture de bienveillance et d’inclusion. Notre engagement à l’égard de la diversité, de l’équité et de l’inclusion À la TD, nous nous engageons à créer un milieu où les collègues peuvent être eux-mêmes au travail, avoir des possibilités équitables et se sentir respectés et soutenus. Nous avons à cœur de réunir un effectif inclusif qui reflète la diversité de notre clientèle et des collectivités où nous vivons et que nous servons. Aider à changer les choses dans nos collectivités – La promesse TD Prêts à agir À la TD, nous avons un engagement de longue date à bâtir un avenir plus inclusif et durable. C’est la raison pour laquelle nous avons lancé en 2018 La promesse TD Prêts à agir, qui est maintenant un projet nord-américain pluriannuel. Dans le cadre de La promesse TD Prêts à agir, nous visons un total de un milliard de dollars de dons aux collectivités d’ici 2030 dans quatre vecteurs clés de changement interreliés : Sécurité financière, Planète dynamique, Collectivités inclusives et Meilleure santé. Notre objectif est de soutenir le changement, de favoriser le progrès et de créer un monde meilleur et plus inclusif pour nos clients, nos collègues et nos collectivités. En savoir plus