TD Bank Group
Risk Manager I- Card Strategy Analytics
TD Bank Group, Wilmington, Delaware, us, 19894
Work Location :Wilmington, Delaware, United States of America
Hours:40
Line of Business:Risk Management
Pay Detail:$86,840 - $139,360 USD
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:
The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools. This role is within the Credit Card Acquisition strategy team, which is responsible for generating valuable insights from data through deep dive analysis and supports credit underwriting strategy by establishing test and control plans and ensuring constant performance monitoring.
Depth & Scope:
Demonstrates governance, control and risk management behaviors in alignment with TD policies and practicesLeads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groupsAssists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clientsPerforms detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by managementCreates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basisEffectively works cross-functionally with teams outside of riskWorks with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-dateEnsures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the BankEnsures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups
Education & Experience:Bachelor's degree required; Graduate degree preferred5+ years' experience requiredProficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packagesExperience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SASFamiliar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.Strong analytical and problem solving skills are required to interpret data and draw conclusionsExperience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial backgroundExcellent written and verbal communication skillsExperienced in developing and presenting recommendations to Senior Management
Preferred Qualifications:Master's Degree, MBA or CFA in relevant fields preferredExperience in managing credit risk program for an unsecured lending portfolio preferredExcellent skills in SQL, SAS, Python and Tableau preferredFamiliar with various decision tree software including Enterprise Miner, FICO Model Builder, Angoss Knowledge Seeker preferred
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel - OccasionalInternational Travel - OccasionalPerforming sedentary work - FrequentPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - FrequentSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - OccasionalSquatting - OccasionalBending - OccasionalKneeling - OccasionalCrawling - NeverClimbing - NeverReaching overhead - OccasionalReaching forward - OccasionalPushing - OccasionalPulling - OccasionalTwisting - OccasionalConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - ContinuousAdding, subtracting, multiplying and dividing - Frequent
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.#J-18808-Ljbffr
Hours:40
Line of Business:Risk Management
Pay Detail:$86,840 - $139,360 USD
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:
The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools. This role is within the Credit Card Acquisition strategy team, which is responsible for generating valuable insights from data through deep dive analysis and supports credit underwriting strategy by establishing test and control plans and ensuring constant performance monitoring.
Depth & Scope:
Demonstrates governance, control and risk management behaviors in alignment with TD policies and practicesLeads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groupsAssists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clientsPerforms detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by managementCreates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basisEffectively works cross-functionally with teams outside of riskWorks with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-dateEnsures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the BankEnsures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups
Education & Experience:Bachelor's degree required; Graduate degree preferred5+ years' experience requiredProficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packagesExperience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SASFamiliar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.Strong analytical and problem solving skills are required to interpret data and draw conclusionsExperience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial backgroundExcellent written and verbal communication skillsExperienced in developing and presenting recommendations to Senior Management
Preferred Qualifications:Master's Degree, MBA or CFA in relevant fields preferredExperience in managing credit risk program for an unsecured lending portfolio preferredExcellent skills in SQL, SAS, Python and Tableau preferredFamiliar with various decision tree software including Enterprise Miner, FICO Model Builder, Angoss Knowledge Seeker preferred
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel - OccasionalInternational Travel - OccasionalPerforming sedentary work - FrequentPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - FrequentSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - OccasionalSquatting - OccasionalBending - OccasionalKneeling - OccasionalCrawling - NeverClimbing - NeverReaching overhead - OccasionalReaching forward - OccasionalPushing - OccasionalPulling - OccasionalTwisting - OccasionalConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - ContinuousAdding, subtracting, multiplying and dividing - Frequent
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.#J-18808-Ljbffr