Senior Collections Strategy Manager

TD; Arundel (DE); On-site; USD 120,000 - 186,000; Full time

Job summary

TD Bank is seeking a Senior Credit Card Collections Strategy Manager to lead end-to-end collections strategy, using advanced analytics and test-and-learn methodologies. You will drive improvements in cure rates, roll rates, and portfolio performance, while ensuring regulatory compliance across the lifecycle.

You will partner cross-functionally, design treatment strategies, and monitor outcomes to deliver measurable impact.

Qualifications

• Bachelor's degree required; Graduate degree preferred.
• 10+ years of experience in risk/collections or similar.
• Proficiency in SQL or SAS; ETL experience; strong regulatory knowledge.

Responsibilities

• Develop and execute end-to-end collections strategies across delinquency stages.
• Cross-functionally design, test, and optimize treatment strategies using data-driven insights.
• Monitor strategy performance and recommend enhancements for sustainable improvements.
• Serve as primary regulatory interface on risk issues for a key business segment.

Skills

Analytical thinking

Strategic mindset

Leadership

Data-driven

SQL

SAS

Regulatory compliance

Problem solving

Communication skills

Education

Bachelor's degree

Graduate degree

Tools

SAS Enterprise Miner

FICO Model Builder

Angoss Knowledge Seeker

Job description

Work Location:Wilmington, Delaware, United States of AmericaHours:40Pay Details:$120,000 - $186,160 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 ManagementJob Description:We are looking for a highly analytical and strategic lead to join as a Senior Credit Card Collections Strategy Manager, responsible for driving performance optimization across the end-to-end collections lifecycle. This role leverages advanced analytics, segmentation, and test-and-learn methodologies to design and refine strategies that improve customer outcomes while maintaining strong regulatory compliance.The ideal candidate brings deep expertise in credit card collections, strong problem-solving and analytical skills, and a hypothesis-driven, learning mindset to continuously evolve strategies and deliver measurable impact.Key ResponsibilitiesDevelop and execute collections strategies across delinquency stages (early through late), with a focus on improving cure rates, roll rates, and overall portfolio performancePartner cross-functionally to design, test, and optimize treatment strategies using data-driven insightsMonitor strategy performance and recommend enhancements to drive sustainable improvements in customer and business outcomesDepth & Scope:Performs functions noted for Risk Manager IGenerally an expert at the enterprise or group business levelActs 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 regulationsInterfaces with teams beyond risk in a cross-functional mannerRepresents business on corporate initiatives and identifies key risks and implications and provides direction in complex situationsEducation & Experience:Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below10+ years' experience requiredProficient PC skills in MS Office and a variety of PC-based analytical and reporting software packagesExperience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SASWorking knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge SeekerStrong analytical and problem solving skills are required to interpret data and draw conclusionsFlexibility to adapt to rapidly changing requirementsExtremely strong attention to detail with ability to manage a range of tasks and prioritizeProven ability to develop and maintain productive business/peer relationshipsSuperb written and verbal communication skillsExperienced in developing and presenting recommendations to Senior ManagementPreferred Qualifications:Bachelor’s degree in STEM (e.g., Statistics, Mathematics, Engineering, Computer Science, Economics)Experience with collections lifecycle strategy across multiple products or portfoliosFamiliarity with digital outreach channels (SMS, email, AI-driven engagement)Exposure to regulatory frameworks impacting collections (TCPA, FDCPA, CFPB)Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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.#LI-USOtherWho 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 PackageOur 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 moreAdditional 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.AccommodationTD 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.