Manages the creation, implementation and validation of various risk segmentation strategies including adjudication, exposure management, risk segmentation, and financial return optimization
Provides critical information, interpretative, and detailed analysis
Deploys critical credit risk rational strategies to ensure decisions are made within TD risk appetite and adhere to governmental requirements
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.
Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank
Assesses and provides direction for existing and new regulations
Interfaces with teams beyond risk in a cross-functional manner

Requirements

Bachelor's degree required; Graduate degree preferred or progressive work experience
10+ years' experience required
Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
Experience with Relational Databases and Extract Transform Load (ETL) processes using 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
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.

Benefits

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 opportunities

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

risk segmentation strategiesadjudicationexposure managementfinancial return optimizationcohort time series analysisPCLSQLSASSAS Enterprise MinerFICO Model Builder

Soft Skills

analytical skillsproblem solvingflexibilityattention to detailtask managementprioritizationrelationship buildingwritten communicationverbal communicationpresentation skills