Risk Manager II (US)

TD Bank•Southfield, MI

16h

About The Position

Job Description Summary: The Risk Manager II provides dealer performance review and governs Dealer Oversight committee. The Risk Manager II identifies risk issues and solutions to satisfy audit and regulatory requirements. The Risk Manager II also establishes KPIs and provides hands-on data analytics to streamline auto decisioning rules and Credit policy changes. The Risk Manager II manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. The Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager. Auto finance background strongly preferred. Depth & Scope: Performs functions noted for Risk Manager I Generally an expert at the enterprise or group business level Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations Interfaces with teams beyond risk in a cross-functional manner Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations

Requirements

Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below
10+ years' experience required
Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
Strong analytical and problem solving skills are required to interpret data and draw conclusions
Flexibility to adapt to rapidly changing requirements
Extremely strong attention to detail with ability to manage a range of tasks and prioritize
Proven ability to develop and maintain productive business/peer relationships
Superb written and verbal communication skills
Experienced in developing and presenting recommendations to Senior Management

Nice To Haves

Auto finance background strongly preferred

Responsibilities

Provides dealer performance review and governs Dealer Oversight committee
Identifies risk issues and solutions to satisfy audit and regulatory requirements
Establishes KPIs and provides hands-on data analytics to streamline auto decisioning rules and Credit policy changes
Manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization
Provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines
Investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager
Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations
Interfaces with teams beyond risk in a cross-functional manner
Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations