Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Analytics, Insights, Artificial Intelligence

Pay Details:

$76,800 - $115,200 CAD

TD 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.

Job Description:

Department Overview:

The Data Science team consists of professional roles that provide consultative support with data analytics-based business insights and/or solutions to guide decision making and/or strategic planning; it leverages and interprets data and analytical product to provide business specific or broad strategic insight by using a variety of analytics techniques and audience-specific communication skills. This area can also focus on gathering, analyzing and modeling all kinds of data to develop business insights or analytics solutions and generally involves the use of broad range of statistical and/or mathematical models/techniques and tools.

Team Overview:

The Data Science, Real Estate Secured Lending (RESL) Product Pricing team is accountable for providing data-driven insights to stakeholders. The team's insights drive strategic decision-making and tactical changes to the product make-up and pricing structure. The Team routinely collaborates with stakeholders across the RESL business, Treasury, Analytics, Insights and Artificial Intelligence, and more.

Job Description

The Data Scientist II, Real Estate Secured Lending (RESL), will partner with stakeholders from Canadian Personal Banking RESL to support data-driven strategies for the RESL portfolio.

Responsible for collecting data and a using wide range of data science techniques, including but not limited to data wrangling, profiling and visualization, statistical inference, to uncover actionable insights or build analytics solutions that guide decision making and strategic planning.

Understand business context and data infrastructure and translate business problems to viable data science solutions.

Use a wide range of programing languages (e.g. Python, Pyspark) and techniques for extracting and preparing data, applying statistics and various advanced analytics, along with business acumen to extract insights from the big data.

Visualize insights from the data to tell and illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding.

Collaborate with other partners, such as AIML scientists, data and business analysts, software engineer, data engineers, and application developers to develop scalable and sustainable machine learning/data science solutions that retains long term benefit to the business.

Solicit and offer ideas for improving business processes through insights with the objective of improving effectiveness and efficiency.

Educate the organization on approaches, such as testing hypotheses and statistical validation of result.

Help the organization understand the principles and the math behind the scientist process to drive organizational alignment.

Translate up to date information into continuous improvement activities that enhance performance.

Participate in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations.

Monitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements where opportunities exist.

Lead / facilitate /or implement actions / remediation plans to address performance / risk /governance issues.

Actively manage relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements.

Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite.

Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit.

Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques.

Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

Job Requirements:

Undergraduate degree or advanced technical degree preferred (e.g., math, statistics, engineering, finance, or computer science) Graduate's degree preferred with progressive work experience

3+ years of relevant experience in analytics, data science and/or consulting, ideally in an influencing or advisory capacity.

Experience with analyzing large data sets, drawing insights and inferences, and communicating outputs.

Demonstrated knowledge and application of analytical languages/tools/platforms such as Python, Pyspark, SQL, Databricks, and Tableau with a track record of delivering business impact and results.

Able to participate as part of a team with targeted deliverables, working on initiatives designed to improve decisions, processes, systems, and applications which support our businesses.

Knowledge of consumer lending, Real Estate Secured Lending, and pricing and hedging strategies/modeling considered a strong asset.

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’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

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.