Pod Performance Analyst, TD Auto Finance, Retail Credit Operations (US)

TD•Southfield, MI

2d•$61,880 - $92,560•Onsite

About The Position

This role drives operational excellence for TD Auto Finance Retail Credit Operations by combining hands-on underwriting execution with data-driven analytics and disciplined credit decisioning. This role is accountable for pod-level performance outcomes, including capture, service delivery, credit quality, and adherence to credit policy and risk appetite, while identifying trends, risks, and opportunities that support sustainable portfolio growth. Provides guidance through expertise, influence, and delegated credit authority. The role partners closely with Sales and cross-functional stakeholders to deliver consistent, timely credit decisions, support portfolio performance through insights and early risk identification, and promotes underwriting consistency through calibration and continuous improvement.

Requirements

Bachelor’s degree or equivalent relevant experience
3+ years of underwriting or credit analysis experience, preferably in auto finance
Strong analytical and critical-thinking skills, with the ability to interpret data, identify trends, and translate insights into action
Demonstrated ability to influence, coordinate, and drive outcomes across stakeholders without direct authority
Strong communication skills, including the ability to explain credit decisions and risk rationale clearly to Sales and internal partners
Proven ability to balance strategic priorities with production accountability in a fast-paced environment
Effective time management and sound judgment, including escalation discipline and decision-making within delegated authority
Ability to provide expert guidance within primary areas of responsibility, leveraging technical expertise and relationships to drive business outcomes

Responsibilities

Leads pod-level data analysis and performance monitoring to identify emerging underwriting trends, risks, and opportunities
Drives pod engagement and execution strategies to optimize capture rates, efficiency, service delivery, and portfolio quality
Ensures comprehensive pod coverage by coordinating workflows and partnering with underwriting peers and leaders to meet business needs
Serves as an escalation point for complex dealer customer credit inquiries and sales calls, providing timely, well-reasoned guidance aligned to credit policy and risk appetite
Actively underwrites Retail Credit auto loan applications in accordance with credit policy, procedures, and delegated authority
Reviews exceptions and higher-risk or high-dollar credit decisions within delegated authority; escalates decisions outside authority in accordance with established governance
Conducts and reviews Early Warning Indicators (EWI), First Payment Default (FPD), and Loss Deal Analysis to inform risk mitigation actions and underwriting adjustments
Supports underwriting consistency by contributing to quality gates, calibration reviews, and best-practice sharing across pods
Provides informal coaching, technical guidance, and knowledge transfer to analysts and senior analysts to strengthen decision quality and consistency
Participates in new hire training activities and onboarding support as needed (content and technical guidance, not performance management)
Leads or contributes to small-scale initiatives, working groups, and ad hoc reporting or audit requests as needed