Risk Manager I (US)-Acquisitions Credit Risk

TD • Wilmington, DE

1d • $120,000 - $136,240

About The Position

The Risk Manager I manages the creation, implementation, and validation of risk segmentation strategies, including strategies for adjudication, account and exposure management, risk segmentation, and financial return optimization. The role provides critical information, detailed analysis, and credit risk recommendations to support decisions within TD’s risk appetite and applicable governmental requirements and guidelines. It investigates and implements risk strategies and policies using complex data, advanced analytical approaches, and business intelligence tools.

The role demonstrates governance, control, and risk management behaviors aligned with TD policies. It contributes to new initiatives, workflows, services, applications, and operational efficiencies, and may lead special project teams or cross-functional work groups. It analyzes strategy results, prepares regular reports using quantitative methods and management information systems, and recommends actions to improve efficiency and revenue while managing credit risk. It also works across teams, supports documentation for audit and regulatory review, and communicates relevant issues to maintain effective working relationships.

The position is located in Wilmington, Delaware, and is listed for 40 hours. The stated pay range is $120,000–$136,240 USD. TD describes a total rewards package that includes base salary and variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. Training, onboarding, career-development conversations, an online learning platform, and mentoring programs are also described.

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.
• 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.
• Advanced coding experience, such as SQL, SaaS, or Python.
• Experience in financial services and/or banking.
• Experience in credit risk.

Responsibilities

• Demonstrate governance, control, and risk management behaviors in alignment with TD policies and practices.
• Lead or participate in identifying, developing, and implementing initiatives, workflows, services, applications, and operational efficiencies, potentially leading special project teams or cross-functional work groups.
• Assist in developing and enhancing credit risk assessment capabilities to identify and maintain sound business opportunities with new and existing clients.
• Analyze and interpret information and make recommendations to Senior Management on critical strategies and non-standard or ad-hoc requests.
• Create regular reports on implemented strategy results using appropriate quantitative methods and management information systems, and recommend ways to increase efficiency and revenue while managing credit risk.
• Work effectively with cross-functional teams outside of risk.
• Work with Internal Audit and external regulators to ensure process documentation is complete and up to date.
• Take a proactive approach to risk management within the Bank’s risk guidelines and ensure sound credit control.
• 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, 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
• Variable compensation/incentive awards, with potential eligibility for cash and/or equity incentive awards
• Training and onboarding
• Online learning platform and mentoring programs

What This Job Offers

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