Business Insights Specialist (US) - Decision Science- Loan Portfolio

TD • Wilmington, DE

6d • $96,130 - $144,190

About The Position

The Business Insights Specialist on TD’s Finance – Decision Science team conducts analyses on curated or aggregated data marts, applying business subject matter expertise to generate relevant insights, address business issues, and identify opportunities for growth and value. The team delivers new-account profitability analytics for several U.S. Consumer products, supporting evaluation of marketing investments and business cases. Its work relies on data and automation to enable segmented analytical frameworks and is performed in collaboration with business and marketing teams to optimize campaigns and strategies for profitable growth.

The role acts as a lead in a specialized business management function and may direct the work of others. It provides seasoned expertise and guidance to stakeholders, handles complex projects and initiatives, and may have enterprise impact. The specialist works autonomously and may engage with stakeholders at any level, including executive leaders and external vendors. The position focuses on short- to medium-term issues, typically over six to twelve months, and oversees or independently performs work end to end.

The specialist serves as a bridge between business teams and analytics, translating business needs into analytics and reporting requirements; communicating findings and recommendations through appropriate visualizations and presentations; and supporting business decisions with quantitative and qualitative analysis. The role also contributes to risk, governance, compliance, relationship management, and team development activities.

Requirements

• At least 5 years of relevant experience, or an undergraduate/advanced technical degree with progressive project work experience; higher-degree education and research tenure may count toward experience.
• Strong financial analysis and financial model-building skills.
• Strong technical skills with Excel, VB, and Power BI.
• Ability to communicate complex analytical findings through data visualization and compelling business storytelling.
• Ability to work autonomously and lead complex projects or initiatives from end to end.
• Ability to manage and communicate with stakeholders across organizational levels, including business leaders and external vendors.

Nice To Haves

• Undergraduate or advanced technical degree, such as in mathematics, physics, engineering, finance, or computer science; a graduate degree is preferred.
• Strong expertise in profitability analysis for consumer banking products, including deposit and lending portfolios.
• Coding experience with SAS, SQL, PySpark, or Python.
• Hands-on experience with Microsoft Copilot.

Responsibilities

• Interpret complex business issues, generate multifaceted insights, and identify opportunities to support business growth and enterprise needs.
• Present analytical insights and recommended actions to stakeholders and business leaders in an accessible format, using visualizations and presentations suited to the audience.
• Serve as the primary interface between business stakeholders and analytics for a given domain, translating business requirements into analytics and reporting needs.
• Apply stakeholder management, collaboration, influence, and persuasion to build constructive working relationships.
• Provide business-domain expertise to contextualize analytics discovery and inform recommendations.
• Escalate data and process problems promptly and recommend resolutions.
• Provide day-to-day analytics support and delivery.
• Represent the functional area as a specialized business insights and analytics expert; synthesize complex information into actionable insights and strategy.
• Build business requirements and facilitate project execution to develop insights.
• Collaborate with partners on business challenges and provide fact-based analytical advice aligned with strategy and shareholder value.
• Identify business growth opportunities, potential use cases, and value drivers.
• Use quantitative and qualitative methods to interpret and clearly present data.
• Gather analytics demand from business teams and work with the analytics hub to fulfill it.
• Explain anomalies and outliers identified during analysis.
• Translate business requirements into analytics requirements with business functions and analytics teams.
• Train business users to integrate analytics into decision-making.
• Use knowledge of data capabilities to develop and deliver insights, and develop analyses to corroborate initial proofs of concept.
• Execute data requests accurately and promptly; identify and investigate data and analytics issues.
• Ensure business operations comply with applicable internal and external requirements, including financial controls, segregation of duties, transaction approvals, and physical control of assets.
• Lead, facilitate, or implement remediation plans addressing performance, risk, or governance issues.
• Manage relationships across business lines, corporate and control functions, and maintain alignment with enterprise and regulatory requirements.
• Monitor emerging issues, trends, and regulatory requirements and assess potential impacts; support a culture of risk management and control aligned with risk appetite.
• Contribute as a team member to a positive work environment, timely communication, quality, innovation, and teamwork.
• Share thought leadership and industry knowledge, participate in knowledge transfer, and stay current on emerging developments and relevant tools and techniques.
• Participate in performance management, professional development, and cross-training activities.
• Keep colleagues informed about project progress and relevant day-to-day information.
• Support team capability development by mentoring others, sharing knowledge, and applying best practices.
• Develop productive relationships with internal and external partners and stakeholders.
• Contribute to a fair, positive, equitable, and diverse workplace and act as a brand ambassador for the business area and bank.

Benefits

• Base salary and variable compensation or incentive awards, which may include cash and/or equity awards through an incentive plan.
• 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, training, mentoring, and learning resources.
• Reward and recognition.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior