Senior Credit Risk Modeling & Analytics Lead

TD; Southfield (MI); On-site; USD 115,000 - 173,000; Full time

Job summary

TD in Southfield, MI seeks a Risk Manager II to lead the development, validation, and deployment of advanced risk segmentation strategies and scorecards. The role emphasizes model risk management, data integration, and collaboration with stakeholders across the bank.

Ideal candidates bring 10+ years of experience, strong analytical skills, and proficiency in SAS, R, and Python to drive credit risk optimization and portfolio performance. On-site in Southfield, with travel as needed.

Qualifications

• Strong statistical and mathematical background with auto lending experience, including relevant modeling techniques.
• Hands-on analytics experience with bureau and alternative data sources and feature engineering.
• Proficient in SAS, R, Python and related analytical tools.

Responsibilities

• Integrate large, diverse datasets, apply feature engineering, and identify trends to support model development.
• Develop and enhance scorecards and models across the credit life cycle using statistical methods and ML.
• Coordinate model deployment across FICO Decision Engine, Python, and related platforms.
• Partner with stakeholders to support Model Risk Management due diligence and issue resolution.
• Leverage statistical models and vendor data platforms to improve acquisition and portfolio performance.
• Support downstream use of models, analyze business impact, and communicate findings to management.

Skills

Statistical background

Auto lending experience

Logistic regression

Decision trees

Clustering

Survival analysis

GLM

Gradient boosting

Scorecard development

Reject inference

PD/LGD loss prediction

Machine learning

SAS

R

Python

Education

Bachelor's degree

Graduate degree

Tools

SAS Enterprise Miner

FICO Model Builder

Angoss Knowledge Seeker

Relational Databases

ETL (SQL/SAS)

Job description

TD in Southfield, MI seeks a Risk Manager II to lead the development, validation, and deployment of advanced risk segmentation strategies and scorecards. The role emphasizes model risk management, data integration, and collaboration with stakeholders across the bank.

Ideal candidates bring 10+ years of experience, strong analytical skills, and proficiency in SAS, R, and Python to drive credit risk optimization and portfolio performance. On-site in Southfield, with travel as needed.