TDAF Risk Manager I

Work Location:

United States of America

Hours:

40

Pay Details:

$86,840 - $139,360 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Risk Management

Job Description:

The Risk Manager I position is placed within the Credit Management Portfolio and Analytics Team within TD Auto Finance (TDAF).  This is a remote position that can be performed from anywhere in the TD or TDAF footprint.

This role will primarily support the following responsibilities:

• Deliver data driven approach to provide business insights to our business partners
• Portfolio trending, root cause analysis, and Vintage loss analysis
• Develop Tableau dashboards to measure and monitor operational and credit risk metric performance and proactively provide business insights to our business partners and senior executives
• Strengthen risk control and compliance with monitoring; ability to proactively change credit policy on high-risk loan structure to improve credit performance
• Interaction with Retail Credit Risk Management (RCRM) for credible challenges

The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines.  The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools.

Depth & Scope:

• Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices
• Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups
• Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients
• Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
• Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis
• Effectively works cross-functionally with teams outside of risk
• Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date
• Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank
• Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups

Education & Experience:

• Bachelor's degree required; Graduate degree preferred
• 5+ years' experience required
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, 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
• Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.
• Strong analytical and problem solving skills are requir