Senior Collections Strategy Manager

TD Bank • Wilmington, DE

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About The Position

TD is seeking a highly analytical and strategic lead to optimize performance across the end-to-end credit card collections lifecycle. The role uses advanced analytics, segmentation, and test-and-learn methodologies to design and refine strategies that improve customer outcomes while maintaining regulatory compliance. The position requires deep credit card collections expertise and a hypothesis-driven learning mindset to evolve strategies and deliver measurable impact.

The role operates within Risk Management and is generally an expert at the enterprise or group business level. It serves as the primary regulatory interface on risk issues and requirements for a key business segment, assesses existing and new regulations, works cross-functionally beyond Risk, and represents the business on corporate initiatives by identifying key risks and providing direction in complex situations.

Requirements

• Bachelor's degree required; graduate degree preferred, or progressive work experience in addition to the experience requirement.
• 10+ years of experience required.
• Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages.
• Experience with relational databases and 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, including the ability to interpret data and draw conclusions.
• Flexibility to adapt to rapidly changing requirements.
• Extremely strong attention to detail, with the ability to manage a range of tasks and prioritize.
• Proven ability to develop and maintain productive business and peer relationships.
• Excellent written and verbal communication skills.
• Experience developing and presenting recommendations to Senior Management.

Nice To Haves

• Graduate degree.
• Bachelor’s degree in a STEM field such as Statistics, Mathematics, Engineering, Computer Science, or Economics.
• Experience with collections lifecycle strategy across multiple products or portfolios.
• Familiarity with digital outreach channels such as SMS, email, and AI-driven engagement.
• Exposure to regulatory frameworks impacting collections, including TCPA, FDCPA, and CFPB.

Responsibilities

• Develop and execute collections strategies across early through late delinquency stages to improve cure rates, roll rates, and overall portfolio performance.
• Partner cross-functionally to design, test, and optimize treatment strategies using data-driven insights.
• Monitor strategy performance and recommend enhancements to improve customer and business outcomes sustainably.
• Act as the primary regulatory interface on risk issues and requirements for a key business segment; assess existing and new regulations and provide direction.
• Represent the business on corporate initiatives, identify key risks and implications, and provide direction in complex situations.
• Develop and present recommendations to Senior Management.

Benefits

• Base salary and variable compensation/incentive awards, potentially including cash and/or equity incentive awards through an incentive plan.
• 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.
• Training programs and onboarding.
• Online learning platform and mentoring programs.

What This Job Offers

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