Risk Manager I (US)

TD Bank•Wilmington, DE

4d•Onsite

About The Position

The Risk Manager I manages the creation, implementation, and validation of risk segmentation strategies, including adjudication, account management, exposure management, and financial return optimization. The role provides critical information, interpretation, and detailed analysis, and deploys credit risk strategies to support decisions within TD’s risk appetite and in compliance with governmental requirements and guidelines. The position investigates, creates, implements, and validates risk segmentation strategies and policies using complex data, advanced analytical approaches, and business intelligence tools. It supports credit risk assessment capabilities, analyzes strategy results, makes recommendations to senior management, and works across functions to promote sound credit control and timely communication of relevant issues.

Requirements

Bachelor’s degree required.
At least 5 years of experience required.
Proficiency with PCs, including strong competency in MS Excel and PowerPoint and a variety of PC-based analytical and reporting software.
Experience with relational databases and Extract, Transform, Load (ETL) processes using common languages such as SQL or SAS.
Familiarity with analytical or reporting tools such as SAS, R, Matlab, and 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.
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 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 from Equifax, Experian, or TransUnion, risk scores, and customer behavior analytics.
Exposure to data science and analytics platforms such as SAS Enterprise Miner, Angoss Knowledge Seeker, Python machine-learning 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 projects or cross-functional work groups.
Assist in developing and enhancing 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 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.
Maintain sound credit control through proactive risk management within the Bank’s risk guidelines.
Communicate relevant issues to the team promptly and foster good working relationships with internal and external groups.