Risk Manager I (US)-Acquisitions Credit Risk

TD Bank Group; Wilmington (DE); On-site; USD 120,000 - 136,000; Full time

Job summary

TD Bank Group in Wilmington, Delaware seeks a Risk Manager I (Acquisitions Credit Risk) to create, implement and validate risk segmentation strategies within TD’s risk appetite. You will analyze data, inform decisions, and collaborate across teams to optimize credit opportunities.

Requirements include a Bachelor’s degree, 5+ years in risk management, and strong Excel/PowerPoint skills plus SQL/SAS familiarity. This is a full-time, on-site role with growth opportunities within Risk Management.

Qualifications

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience in risk management or related field.
• Proficient with MS Excel and PowerPoint; experience with relational databases and ETL processes using SQL/SAS.

Responsibilities

• Develop, implement and validate risk segmentation strategies.
• Lead cross-functional initiatives and collaborate with internal teams.
• Produce reports for Senior Management on risk and financial return.
• Ensure compliance with TD risk appetite and regulatory guidelines.
• Partner with Internal Audit / Regulators to ensure documentation is up-to-date.

Skills

Analytical thinking

Problem solving

Communication skills

Written and verbal communication

Education

Bachelor's degree required

Graduate degree preferred

Tools

Excel

PowerPoint

SQL

SAS

R

Tableau

MATLAB

ETL

Job description

## Risk Manager I (US)-Acquisitions Credit RiskApply: Office Focused: Wilmington, Delaware: Full time: Posted Today: End Date: October 9, 2026 (3 days left to apply): R\\_1513419**Work Location:**Wilmington, Delaware, United States of America**Hours:**40**Pay Details:**$120,000 - $136,240 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:*** Advanced coding experience (SQL, SaaS, Python)* Experience in financial services and/or banking* Experience in credit risk**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