Hours

　　40

　　Pay Range

　　$83,720 - $136,240 annually

　　Department Overview

　　As part of the Credit Management team, Credit Strategies serves as a business advisor to TD Auto Finance (TDAF) by providing credit risk analytics to facilitate the profitable portfolio growth strategy, while maintaining adherence to the Bank's risk appetite.

　　Credit Strategies is responsible for the development and maintenance of statistical acquisitions scorecard models and oversight of the related tier strategy. Additional responsibilities include development of risk cost assumptions for loss forecasting and acquisition profitability projections, analysis of credit and structural risk elements for risk policy review and potential automated credit adjudication enhancements, and evaluating the risk implications of business initiatives and strategies.

　　Preferred Qualifications :

　　- Strong technical skills including SAS, Python, R, and/or Tableau

　　- Auto Finance experience is a plus, but not required.

　　- Extensive statistical modeling background

　　- Model risk governance/compliance experience

　　This position can be remote if located in the TD or TDAF footprint, but is a hybrid position (2 days in office) if located in a TDAF hub location of Farmington Hills, MI; Jacksonville, FL; or Greenville, SC.

　　Job Details

　　The Manager of Risk Analytics and Statistical Tools develops statistical analytic tools for acquisition strategies and portfolio monitoring.

　　Job Requirements Develops and manages the design, development, and implementation of statistically sound risk based acquisition scoring models and systems Validates all statistical models used by Risk Management and present results internal and external oversight teams Performs credit risk assessments of the existing customers to determine the credit risk health of the portfolio Develops risk costs by segment to assist in profitability measurement, risk assessment and pricing process Develops and applies a variety of statistical and modelling techniques to assess the credit risk performance of the portfolio (at total and customer segment levels) Monitors and recommends actions to be taken Supports credit policy development, implementation and monitoring. Leads and develops a team of statistical credit risk analysts Acts as a consultant on a variety of quantitative risk analysis issues and credit risk related projects Maintains full professional knowledge of techniques and developments in the field of credit risk and quantitative analysis Presents methods and findings to functional management and executives When necessary, travels to train and update the organization on credit risk and quantitative analysis topics Must be eligible for employment under regulatory standards applicable to the position. Must be eligible for employment under regulatory standards applicable to the position.

　　Qualifications Bachelors degree in Finance, Statistics, Economics, or Mathematics MBA or Masters degree in one of these disciplines is preferred Minimum of 7-10 years experience specifically related to statistical models, portfolio analysis, and portfolio reporting Proficient understanding of credit scorecard concepts and other statistical methods Proficiency in MS Office, advanced expertise with MS PowerPoint and Excel including graphing Must possess data retrieval skills as well as SAS and Microsoft Access experience Proven experience with complex analysis and reporting techniques Excellent written, verbal, and presentation communication skills Ability to handle multiple tasks in a time constrained environment Ability to find, analyze and synthesize complex information both quantitative and qualitative Demonstrated ability to develop and maintain strong business relationships, including relationships outside of Risk Management Strong analytical thinking skills with the ability to apply those skills to solve issues Proven ability to share best practices and coach, train, mentor employees as appropriate

　　Company Overview

　　Our Values

　　At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.

　　Making Your Well-being a Priority

　　A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.

　　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 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.

　　How We Work

　　At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they'll always have access to the TD community to experience our culture of care.

　　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.

　　Inclusiveness

　　Our Commitment to Diversity, Equity, and Inclusion

　　At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

　　EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

　　Accommodation

　　If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

　　How We're Helping Make an Impact in Communities

　　TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

　　We look forward to hearing from you!

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