Risk Manager II (US)

TD; Oregon; Hybrid; USD 115,000 - 173,000; Full time

Job summary

TD is seeking a skilled risk analytics professional in Southfield, Michigan, to advance credit risk models and scorecards. The role requires strong statistical expertise, experience with bureau and alternative data, and proficiency in SAS, R, and Python.

You will collaborate with cross-functional teams to deploy models and evaluate business impact. Responsibilities include integrating datasets, improving model performance, and communicating insights to senior management.

Qualifications

• Strong statistical and mathematical background with auto lending experience.
• Experience with bureau and alternative data sources and feature engineering.
• Proficient in SAS, R, Python and related analytics tools.

Responsibilities

• Integrate large datasets and apply feature engineering for model development.
• Develop and enhance scorecards and models across credit life cycle.
• Coordinate model deployment across FICO Decision Engine and Python.
• Partner with stakeholders for model risk due diligence and issue resolution.
• Leverage models and vendor data to improve acquisition and portfolio performance.
• Communicate findings to management and support downstream use of models.

Skills

Statistical background

Analytics with bureau data

SAS, R, Python

Education

Bachelor's degree

Graduate degree preferred

Tools

SAS Enterprise Miner

FICO Model Builder

Angoss Knowledge Seeker

Job description

Work Location: Southfield, Michigan, United States of AmericaHours: 40Pay Details: $115,440 - $173,160 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 position requires:

• Strong statistical and mathematical background with auto lending experience; expertise in logistic regression, decision trees, clustering, survival analysis, GLM, gradient boosting, scorecard development, reject inference, PD/LGD loss prediction and machine learning.
• Hands-on analytics experience with bureau and alternative data sources, and knowledge of feature engineering and attribute aggregation.
• Advanced proficiency in SAS, R, Python, and related analytical tools.

The position is expected to:

• Integrate large, diverse datasets, apply feature engineering, and identify trends and patterns to support model development and enhancement.
• Develop and enhance scorecards and models throughout credit life cycle using statistical methodologies and machine learning techniques.
• Coordinate model deployment across FICO Decision Engine, Python, and related platforms.
• Partner with stakeholders to support Model Risk Management due diligence and timely issue resolution.
• Leverage statistical models and vendor data platforms, to improve acquisition and portfolio performance.
• Support downstream use of models, consolidate business impact analyses related to model or strategy changes, and communicate key findings to the management team.

Depth & Scope

• Performs functions noted for Risk Manager I
• Generally an expert at the enterprise or group business level
• Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations
• Interfaces with teams beyond risk in a cross-functional manner
• Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations

Education & Experience

• Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below
• 10+ years' experience required
• Proficient PC skills in MS Office 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
• Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
• Strong analytical and problem solving skills are required to interpret data and draw conclusions
• Flexibility to adapt to rapidly changing requirements
• Extremely strong attention to detail with ability to manage a range of tasks and prioritize
• Proven ability to develop and maintain productive business/peer relationships
• Superb written and verbal communication skills
• Experienced in developing and presenting recommendations to Senior Management

Physical Requirements

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel - Occasional
• International Travel - Never
• Performing sedentary work - Continuous
• Performing multiple tasks - Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds - Occasional
• Sitting - Continuous
• Standing - Occasional
• Walking - Occasional
• Moving safely in confined spaces - Occasional
• Lifting/Carrying (under 25 lbs.) - Occasional
• Lifting/Carrying (over 25 lbs.) - Never
• Squatting - Occasional
• Bending - Occasional
• Kneeling - Never
• Crawling - Never
• Climbing - Never
• Reaching overhead - Never
• Reaching forward - Occasional
• Pushing - Never
• Pulling - Never
• Twisting - Never
• 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 - Continuous

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

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 Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and 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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.Interview ProcessWe'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 . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.