Risk Manager II (US) Unsecured Lending

TD Bank•Mount Laurel, NJ

6d•Onsite

About The Position

The Risk Manager II is a highly visible second-line credit risk leadership role responsible for overseeing credit risk across TD's retail unsecured lending portfolio, including credit cards, personal loans, and overdraft. This position provides independent risk oversight and challenge on portfolio strategy, risk appetite, growth initiatives, and portfolio performance, partnering closely with senior business, risk, analytics, and executive stakeholders to influence key risk and business decisions. The successful candidate will play a critical role in balancing growth, profitability, and customer outcomes while ensuring adherence to TD's risk management framework and regulatory expectations. The role oversees the creation, implementation, and validation of risk strategies across adjudication, exposure management, account management, portfolio segmentation, loss mitigation, and financial performance optimization. A particular area of focus will be overdraft and depository-related credit risk strategies, with opportunities to support broader unsecured lending portfolios and enterprise credit risk initiatives.

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

Responsibilities

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
Serves as a senior independent second-line credit risk advisor with oversight of retail unsecured lending portfolios, including credit cards, personal loans, and overdraft.
Provides effective challenge and risk oversight of strategy proposals, policy changes, portfolio actions, and risk management practices to ensure alignment with approved risk appetite and regulatory expectations.
Ability to manage multiple complex initiatives simultaneously and adapt effectively to changing priorities and business needs.
Proven ability to build productive relationships and influence decisions across business and functional partners without direct authority.
Excellent written and verbal communication skills, including experience preparing executive-level presentations, risk assessments, and governance materials.
Demonstrated ability to independently lead complex analyses, exercise sound judgment, and communicate risk-based recommendations to senior management.