Senior Manager of Analytics & Insights Lead (US)

TD • Southfield, MI

13d • Onsite

About The Position

The Senior Manager of Analytics & Insights Lead is responsible for the development, coordination, implementation and oversight of Credit Management strategies for TD Bank, Auto Finance N.A. portfolios, guiding Credit and Collections principles while supporting end-to-end strategic initiatives of the company. The role manages a team of Business Insights & Analytics specialists and collaborates with internal stakeholders to drive Credit policy analytics as well as Collections strategies. This leader deploys analytics to drive business decisions, identifies data and information needs, and uncovers opportunities for process improvement. The Senior Manager proposes and implements policy and credit strategy recommendations, provides strategic insight and consultative support by interpreting data and analytical models, delivering clear, audience‑appropriate presentations that inform decision‑making in accordance with TD Bank, N.A. principles.

Requirements

• Bachelors degree required; Graduate degree preferred
• 10+ Years of related experience
• Significant experience required in Credit Risk Management and modeling disciplines
• Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses
• Strong written and verbal communication skills
• Experience in change management related to the adoption of new business processes
• Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors
• Industry analysis and presentation experience

Responsibilities

• Provide people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required.
• Oversee and lead a large and/or highly complex, and diverse reporting function for an area of significant risk, complexity or scope.
• Strategic partner to leadership team on the management of the portfolio and financials, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and; identifying operational efficiencies and opportunities with other business management / enterprise areas
• Facilitate key strategic discussions and provide thought leadership to executive audience (output may include strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.)
• Set operational team direction and collaborate with others to execute on common goals
• Focus on longer-range planning for functional area (e.g. 12 months or greater)
• Provides leadership direction and answering questions as needed.
• Provides guidance and assists staff with most complex aspects of work as necessary
• Resolves escalated issues and problems by conferring with senior management, staff in other internal departments, outside contacts and others as necessary
• Oversees analysis in support of financial, regulatory and risk management requirements
• Participates in and supports several decision-making committees for management approaches
• Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio.
• Quantifies and analyzes risk exposure characteristics for portfolios
• Researches, evaluates, develops, tests and applies quantitative models and methodologies for analyzing risk exposures and collection strategies
• Performs independent analytical initiatives including portfolio modeling, Stress Testing and migration analysis
• Works with TDBFG Analysts to determine and validate key Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) factors that are critical to internal Allowance for Loan and Lease Loss measures
• Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of risk factors present in retail credit products
• Develops and documents systems/tools to automate calculations used in determining risk exposures
• Researches and recommends standards for internal/external systems used to calculate and measure risk exposures
• Recommends policy and underwriting standard modifications where warranted.
• Measures and monitors the organizations exposure and provides guidance in portfolio review and strategy
• Establishes oversight of business lines compliance/risk controls and periodically evaluate risk mitigation efforts to make adjustments as risk/department influences change.
• Ensures TD Bank maintains successful audits and exams within all areas
• Ensures effective compliance with all job-relevant State and Federal regulations, including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as with all job relevant Risk Management and Corporate standards
• Manages complex analytical initiatives and interacts with TDBFG Analysts, Finance, Credit, and Retail Lending lines of businesses

Benefits

• Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals.
• Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.

What This Job Offers

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