Risk Manager

2 weeks ago


Toronto, Canada TD Bank Full time

408086BR

Risk Management

Toronto, ON

May 2, 2023

Company Overview

Department Overview

The Retail Risk Strategy Team is responsible for the development and execution of risk strategies and initiatives that will assist our business partners to achieve growth and profitability targets while maintaining the overall risk quality of our lending portfolios. Accountabilities include designing, augmenting and monitoring credit risk strategies related to account management, pre-approved credit offers and automated adjudication decisions. Key Business partners include Personal Lending, Real Estate Secured Lending (RESL) and Small Business Banking.

**Job Description**:
Reporting to the Senior Manager, RESL Portfolio Management and Downturn Readiness, the Risk Manager will be responsible for RESL account management strategies, performance reporting and strategy validation. In addition, this individual will play a key role in ensure portfolio health through ad hoc analysis and deep dives to identify areas of high risk. The role interacts with acquisition as well as Policy teams within RESL and across Retail Risk.

Key accountabilities include:

- Design reporting to effectively assess the performance of strategies and campaigns, leveraging loss forecasting methodologies as appropriate
- Ensure sufficient challenge, scope, and timeliness of strategy validations
- Provide insights and analysis that will identify delinquency trends and inform revenue enhancement and loss mitigation decisions
- Develop and maintain strong working relationships with the RESL business, the broader Retail Risk Management Team, the Business, Customer Assistance, Technology Solutions, Business Applications & Credit Services as well as other Risk partners
- Assess and identify key issues and escalate to appropriate levels and relevant stakeholders where required.
- Advocate a culture of accountability by increasing the awareness of sound risk practices within TDCT and TDBG

**Requirements**:

- Adept with data extraction, mining and presentation tools such as SAS, SQL, Python, R and Tableau
- High Proficiency in MS Office: Excel, Word and PowerPoint
- Excellent relationship management and communication skills
- Risk focused; driven to support the Business prudently, with a focus on solutions that work through the economic cycle
- Organizational awareness; know how to engage the organization to get things done and deal with complex change
- Independent leader; able to execute under a new and evolving mandate and constantly strive to find ways to do things better

Additional Information
- Post-secondary degree in a quantitative discipline is preferred (i.e. Math, Statistics, Computer Science).
- Previous experience in Risk Management or in Retail lending products preferred
- Understanding of Retail credit products technology and processing infrastructure an asset

Hours

37.5

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.


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