Risk Manager I (US)

About the role

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.

Responsibilities

• Investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools.
• Work closely with stakeholders to support origination optimization design and implementation; evaluate and improve statistical models throughout origination process and pricing strategy; Validate and enhance strategy structure such as Credit Tier to meet business goals; quantify business impact upon strategy/statistical tool changes.
• Apply mathematical methodologies to explore opportunities of utilizing both traditional and alternative information on statistical tools/strategies for potential enhancement throughout credit life cycle; enhance origination strategy structure such as Credit Tier to help meet business goals; work closely with stakeholders and vendor to support origination optimization design and implementation.

Requirements

• Bachelor's degree required; Graduate degree preferred
• 5+ years' experience required
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages
• Familiar with various analytical or reporting tools, such as SAS, R, Matlab
• Strong analytical and problem solving skills are required to interpret data and draw conclusions

Qualifications

• Strong statistical and mathematical background with in-depth Auto Origination experience
• Thorough understanding of scorecard and statistical model mechanism in the context of usage in Auto Acquisition and Pricing Strategy
• Proficient in using Analytical software of SAS, R, Python, etc
• Thorough knowledge of Regression, Decision Trees, Clustering, Survival Analysis, GLM, machine learning, familiar with Bureau data attributes and tools such as Trans Union, Experian Sandbox (Premiers, Trended Data, Clarity, etc)
• Experience with dealing big data

Skills

• Statistical and mathematical background
• Advanced analytical approach
• Business intelligence tools
• Relational Databases and ETL processes
• Various analytical or reporting tools

Benefits

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.

Pay

$91,000 - $136,000 USD

Schedule

Hours 40