Manager, Credit Risk Automation, Small Business Banking (ATH 4941)

TD•Toronto, ON

3d•Onsite

About The Position

The Small Business Banking Risk strategy team is responsible for the development, monitoring and execution of risk strategies and initiatives that will assist our business partners in achieving growth and profitability while supplying effective challenge to maintain the overall risk quality of our lending portfolios. As a Risk Manager, you will be leading the development, implementation and monitoring of the acquisition and account management credit strategies for Small Business (SBB) products. Strategy design plays an important role in SBB business performance, and the successful candidate will be responsible for developing, communicating and recommending changes to improve decision strategies. This role will also provide effective challenge and ownership and execution of credit risk initiatives related to the SBB portfolio. You will work closely with internal Risk partners, as well as the product and technology areas.

Requirements

High Proficiency in Python and SQL
Credit Risk Management Experience in a financial institution or similar is a strong asset
Ability to provide effective challenge to key business partners and stakeholders
Understanding of retail credit products, policies and processes, SBB or Commercial experience is a strong asset
Demonstrated analytical, reporting and problem-solving skills
Post-secondary degree is required (preferably in a quantitative field: i.e. Maths, Statistics, Science, Computer Science or similar).

Nice To Haves

Others such as SAS, Tableau, Angoss would be considered an asset
Prior experience in machine learning (e.g., Decision tree, XGBoost) and building models in MS Azure would be considered a strong asset
Experience is conducting analysis in Rahona (Analytical Zone) & Power BI
Proficiency in Big data (Hadoop, HIVE, Spark, etc.) would be considered an asset
A Master’s Degree is an asset.

Responsibilities

Design credit automated strategies
Support credit automation strategy management, monitoring, testing and verification
Provide effective challenge to SBB line of business counterparts
Develop innovative business ideas and methods in the automation strategy design process
Play a leading role in coordinating interactions and initiatives with stakeholders and partner teams
Provide guidance and support to team members with business knowledge and technical capabilities
Monitor portfolio health and raise insights to management and line of business
Drive forward and take ownership of planning for strategic long-term initiatives
Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas
Support regulator and audit requests