Risk Manager I – CDPP, Credit Risk Management

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee the development, execution, and validation of risk segmentation strategies, which encompass adjudication, account management, exposure management, risk segmentation, and optimization of financial returns.

• Deliver essential information, insights, detailed analyses, and credit risk strategies that align with TD's risk appetite and regulatory requirements.

• Research, design, implement, and verify risk segmentation strategies and policies utilizing complex datasets, advanced analytics, and business intelligence tools.

• Exhibit governance, control, and risk management practices that are consistent with TD's policies and standards.

• Lead or engage in new projects, workflow enhancements, service/application development, operational efficiencies, special project teams, and cross-functional collaborations.

• Enhance and develop credit risk assessment capabilities for both new and existing clients.

• Conduct thorough analyses and provide recommendations to Senior Management regarding critical strategies and ad-hoc inquiries.

• Generate regular reports on the outcomes of implemented strategies using quantitative techniques and Management Information Systems (MIS).

• Suggest methods to boost efficiency and revenue while managing credit risk effectively.

• Collaborate across various teams outside of the risk department.

• Liaise with Internal Audit and External Regulators to ensure comprehensive and up-to-date process documentation.

• Maintain robust credit control and proactive risk management in accordance with banking guidelines.

• Promptly communicate pertinent issues and foster effective relationships with both internal and external stakeholders.

⛳️ Requirements

• A Bachelor's degree is mandatory.

• A minimum of 5 years of relevant experience is required.

• Strong proficiency in PC applications, particularly in MS Excel and PowerPoint.

• Experience with PC-based analytical and reporting software tools.

• Familiarity with relational databases and Extract Transform Load (ETL) processes using SQL or SAS.

• Knowledge of analytical or reporting tools such as SAS, R, Matlab, and Tableau is advantageous.

• Exceptional analytical and problem-solving abilities.

• Experience in data modeling and risk management practices.

• Educational background in business administration, statistics, mathematics, science, or finance.

• Excellent written and oral communication skills.

• Proven experience in developing and presenting recommendations to Senior Management.

• Advanced proficiency in SQL, SAS, and Python is preferred.

• Experience in Credit Risk Management is desirable.

• Familiarity with modeling techniques is preferred.

• Advanced data analytics experience is advantageous.

• Previous experience in cross-functional collaboration is preferred.

• Experience with artificial intelligence is a plus.

• A Master's degree in economics, finance, and/or statistics is preferred.

• Willingness for occasional domestic and international travel.

🏝️ Benefits

• Variable compensation and incentive awards, including eligibility for cash and/or equity incentive awards.

• Comprehensive health and well-being benefits.

• Savings and retirement programs.

• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO.

• Banking benefits and discounts.

• Opportunities for career development.

• Reward and recognition programs.

• Regular discussions regarding career, development, and performance with management.

• Access to an online learning platform.

• Participation in mentoring programs.

• Training and onboarding sessions.

• A competitive benefits package.