Senior Credit Risk Leader - Unsecured Lending

TD; Philadelphia (Philadelphia County); On-site; USD 115,000 - 173,000; Full time

Job summary

TD is seeking a Risk Manager II to lead credit risk oversight for a retail unsecured lending portfolio (credit cards, personal loans, overdraft). You will provide independent risk oversight, challenge portfolio strategy, and influence senior-level risk and business decisions.

You will balance growth, profitability, and customer outcomes within the risk framework, collaborating cross-functionally with analytics, risk, and senior management.

Qualifications

• Bachelor's degree required; Graduate degree preferred or equivalent experience.
• 10+ years' experience required.
• Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software.
• Experience with Relational Databases and ETL using SQL or SAS.
• Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker.
• Strong analytical and problem solving skills to interpret data.
• Flexibility to adapt to changing requirements.
• Attention to detail with ability to manage multiple tasks.
• Proven ability to develop and maintain productive business/peer relationships.
• Excellent written and verbal communication skills; experience presenting to Senior Management.

Responsibilities

• Oversee credit risk across TD's retail unsecured lending portfolio, including credit cards, personal loans, and overdraft.
• Provide independent risk oversight and challenge on portfolio strategy, risk appetite, growth initiatives, and portfolio performance.
• Influence key risk and business decisions with senior stakeholders.
• Balance growth, profitability, and customer outcomes while adhering to the risk framework and regulatory expectations.
• Focus on overdraft and depository-related credit risk strategies and support enterprise risk initiatives.

Skills

Analytical thinking

Problem solving

Communication skills

Relationship building

Regulatory knowledge

MS Office

SQL

SAS

SAS Enterprise Miner

FICO Model Builder

Angoss Knowledge Seeker

Relational Databases

ETL concepts

Attention to detail

Executive presenting

Education

Bachelor's degree

Graduate degree

Tools

MS Office

SQL

SAS

Job description

TD is seeking a Risk Manager II to lead credit risk oversight for a retail unsecured lending portfolio (credit cards, personal loans, overdraft). You will provide independent risk oversight, challenge portfolio strategy, and influence senior-level risk and business decisions.

You will balance growth, profitability, and customer outcomes within the risk framework, collaborating cross-functionally with analytics, risk, and senior management.