Risk Manager I (US)

TD • Fort Lauderdale, FL

1d • $120,000 - $139,360

About The Position

The Risk Manager I manages the creation, implementation, and validation of risk segmentation strategies, including adjudication, account management, exposure management, risk segmentation, and financial return optimization. The role provides critical information, interpretation, and detailed analysis, and deploys credit-risk strategies that ensure decisions align with TD’s risk appetite and comply with governmental requirements and guidelines. It investigates, creates, implements, and validates risk segmentation strategies and policies using complex data, advanced analytical approaches, and business intelligence tools.

The position demonstrates governance, control, and risk-management behaviors aligned with TD policies and practices. It leads or participates in new initiatives, workflow development, service or application enhancements, and operational efficiencies, including special project teams or cross-functional work groups. The role develops and enhances credit risk assessment capabilities, analyzes and interprets information, and recommends critical strategies to senior management. It reports on implemented strategies using appropriate quantitative methods and management information systems, recommending ways to improve efficiency and revenue while managing credit risk.

The Risk Manager I works cross-functionally, supports complete and up-to-date process documentation for Internal Audit and external regulators, takes a proactive approach to sound credit control within the Bank’s risk guidelines, and communicates relevant issues in a timely manner to foster effective working relationships.

Requirements

• Bachelor’s degree required.
• At least 5 years of experience required.
• Proficient PC skills, including strong competency in MS Excel and PowerPoint and familiarity with PC-based analytical and reporting software packages.
• Experience with relational databases and ETL processes using common languages such as SQL or SAS.
• Familiarity with analytical or reporting tools such as SAS, R, Matlab, or Tableau.
• Strong analytical and problem-solving skills, including the ability to interpret data and draw conclusions.
• Experience in data modeling and risk management, with a background in business administration, statistics, mathematics, science, or finance.
• Excellent written and verbal communication skills.
• Experience developing and presenting recommendations to senior management.

Nice To Haves

• Graduate degree preferred.
• At least 5 years of experience supporting credit risk management, credit strategy, underwriting, portfolio management, or risk analytics for unsecured lending products such as credit cards or personal loans.
• Demonstrated ability to translate business problems into data-driven solutions and actionable recommendations.
• Proficiency in SQL and experience with SAS and/or Python for data extraction, analysis, model development, and strategy monitoring.
• Experience with data visualization and reporting tools such as Tableau, Power BI, or similar platforms.
• Working knowledge of credit risk concepts, including customer segmentation, risk-based decisioning, scorecards, champion-challenger testing, portfolio monitoring, and strategy performance measurement.
• Familiarity with statistical techniques such as regression, hypothesis testing, predictive modeling, machine learning, and time series analysis.
• Experience working with large datasets and enterprise data environments.
• Knowledge of credit bureau data (Equifax, Experian, TransUnion), risk scores, and customer behavior analytics.
• Exposure to data science and analytics platforms such as SAS Enterprise Miner, Angoss Knowledge Seeker, Python ML libraries such as Scikit-learn, Databricks, or similar tools.
• Strong communication skills and ability to present analytical findings and recommendations to business and risk stakeholders.

Responsibilities

• Demonstrate governance, control, and risk-management behaviors aligned with TD policies and practices.
• Lead or participate in identifying, developing, and implementing initiatives, workflows, services, applications, and operational efficiencies, including special project teams or cross-functional work groups.
• Develop and enhance credit risk assessment capabilities to identify and maintain business opportunities with new and existing clients.
• Perform detailed analysis and interpret information to recommend critical strategies to senior management, including responses to non-standard and ad-hoc requests.
• Create regular reports on implemented strategies using appropriate quantitative methods and management information systems; recommend ways to increase efficiencies and revenue while managing credit risk.
• Work effectively with teams outside of risk.
• Work with Internal Audit and external regulators to ensure documentation for work processes is complete and up to date.
• Ensure sound credit control through proactive risk management within the Bank’s risk guidelines.
• Communicate relevant issues to the team in a timely manner and encourage effective working relationships with internal and external groups.
• Create, implement, and validate risk segmentation strategies and policies using complex data, advanced analytical approaches, and business intelligence tools.

Benefits

• 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
• Reward and recognition
• Base salary and variable compensation or incentive awards, potentially including cash and/or equity incentive awards

What This Job Offers

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