Risk Manager II - Account Management Credit Strategy

at TD Bank in Wilmington, Delaware, United States

432705BR

Job Title:

Risk Manager II – Account Management Credit Strategy

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.

Auto req ID:

432705BR

Department Overview:

The Risk Manager II leads the US Bankcard account management credit strategy team owning the end of end process including creation, implementation and validation of various credit strategies including, but not limited to: exposure management (credit line increase, credit line decrease, closure), balance transfer, authorization, payment hold, and financial return optimization. The Risk Manager II manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. The Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements, and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL , Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV , ROE , etc. with the limited guidance from the manager.

Country:

US TD Footprint

Job Requirements:

+ Bachelor’s degree required; Graduate degree preferred or progressive work experience in addition to experience below

+ 10+ years’ experience required

+ 10+ years’ experience in analytical fields preferred

+ People Manager experience preferred

+ Card strategy experience preferred

+ Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages

+ Experience with the use of Relational Databases and the process of Extract Transform Load ( ETL ) using common languages such as SQL or SAS

+ Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker

+ Strong analytical and problem solving skills are required to interpret data and draw conclusions

+ Flexibility to adapt to rapidly changing requirements

+ Extremely strong attention to detail with ability to manage a range of tasks and prioritize

+ Proven ability to develop and maintain productive business/peer relationships

+ Superb written and verbal communication skills

+ Experienced in developing and presenting recommendations to Senior Management

+ Must be eligible for employment under regulatory standards applicable to the position.

Hours:

40

Job Details:

+ Performs functions noted for Risk Manager I

+ Generally an expert at the enterprise or group business level

+ Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations

+ Interfaces with teams beyond risk in a cross-functional manner

+ Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations

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 . 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