Senior Credit Card Collections Strategy Lead

TD; Wilmington (DE); On-site; USD 145,000 - 186,000; Full time

Job summary

TD is seeking a Risk Manager II (Credit Card Collections Strategy Manager) in Wilmington, DE to lead advanced risk segmentation and collections strategy across delinquency stages. The role requires deep analytics, regulatory awareness, and cross-functional collaboration to optimize outcomes while complying with all applicable laws.

Responsibilities include developing targeted treatment strategies, testing hypotheses, and communicating with Senior Management.

Qualifications

• Bachelor's degree required; graduate degree preferred.
• 10+ years of experience in credit risk or collections.
• Strong analytical and problem-solving skills.
• Proficiency with relational databases and SQL/SAS.
• Experience with SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker.
• Excellent communication with senior management.

Responsibilities

• Develop and execute collections strategies across delinquency stages to improve cure and roll rates.
• Leverage data analytics and segmentation to design targeted treatments.
• Drive test-and-learn frameworks with control/treatment design.
• Identify customer segments to optimize outreach and recovery strategies.
• Partner with Legal, Compliance, Operations, and Digital Vendors to implement compliant strategies.
• Monitor KPIs and deliver insights to leadership.
• Ensure strategies adhere to TCPA, FDCPA, CFPB standards.
• Support digital transformation, including automation and vendor integrations.

Skills

Analytical skills

Communication

Regulatory awareness

Data segmentation

Test and learn

Education

Bachelor's degree

Graduate degree preferred

Tools

SQL

SAS

Excel

Python

Job description

TD is seeking a Risk Manager II (Credit Card Collections Strategy Manager) in Wilmington, DE to lead advanced risk segmentation and collections strategy across delinquency stages. The role requires deep analytics, regulatory awareness, and cross-functional collaboration to optimize outcomes while complying with all applicable laws.

Responsibilities include developing targeted treatment strategies, testing hypotheses, and communicating with Senior Management.